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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active Under Contract

Active Under Contract·92 days on market

2925 Gobbler Road

Middleburg, FL 32068

$489,900$206/sqftEst. $2,714/moMLS# 2155249
↓ $10,000 below original list
3
Beds
2
Baths
2,375
Sq Ft
2010
Built
3
Garage
No
Pool
FEMA Zone XNo HOA1.03 acresSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Exceptional 3BR/2BA, 2375 SF 3 car Garage on 1.02 acres with covered patio and 40ft covered RV/Boat parking area. This custom-built Drees home offers Large Spacious rooms. Open floor plan, mud room, separate laundry, separate storage room off laundry. Kitchen features lots of cabinet storage, granite counters and pantry. MBR features double trey ceiling, walk in closet, MBR BA with double vanity solid surface counter, garden tub and separate shower. Florida/Sunroom has separate air and Electric FP heat unit and tiled floor. There are 6 ceiling fans throughout. The garage has an attic fan, Other features include security cameras outside (2024) water softener (2021) Water heater 2026, Bosch DW 2024, Refrigerator 2025, 12x30 shed with electricity 2011 2375 SF includes the separately cooled and heated Florida room The base home square footage is 1975 SF Due to the spacious larger than normal rooms this home lives larger. See room sizes

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,714
Property taxesest. at asking price, Clay County$751
Estimated total, before insurance$3,464/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,732/yr · $228/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$489,900
$97,980
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Property taxes (est.): $751
Insurance (est.): $327
Estimated Total Monthly
$3,791
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2010)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,588 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:29 AM, sunset 6:58 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,732/yr

Estimated taxes if purchased at asking price: ~$9,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Oct 5, 2026Active Under Contract$489,900
  • Sep 20, 2026Price change$489,900−$10,000
  • Jul 14, 2026Listed$499,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $187/sq ft; this home is listed at $206/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2963 Backwoods Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJul 2026$345,000$1744/21,978950.2
2489 Cosmos Avenue, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$275,000$1214/22,280170.6
2535 Sunflower Avenue, Middleburg, FL 32068Listed by REAL BROKER LLCMay 2026$377,900$2064/21,835890.6
4908 Calendula Avenue, Middleburg, FL 32068Listed by WATSON REALTY CORPJun 2025$348,000$1873/21,862240.7
4921 Alfalfa Street, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLCFeb 2026$310,000$1713/21,81530.8
2635 Indigo Avenue, Middleburg, FL 32068Listed by 1 REALTY CORPMar 2026$490,000$2124/32,31500.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$489,900
Price / Sq Ft$206
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,375
Total Structure Area3,034 sq ft
Acres1.03 acres
Year Built2010
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive Under Contract
# of Garages3
# of Carport Spaces3
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryMiddleburg
MiddleWilkinson

Community Information

Address2925 Gobbler Road, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionMiddleburg
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size44,823.24 sq ft
Lot Dimensions147.81 X 299.66 X 147.98 X 299.29
Parcel Number29052400672300000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingGarage Door Opener, RV Access/Parking
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric, Wall/Window Unit(s)
FlooringCarpet, Tile
FireplaceYes
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

Exterior

Lot DescriptionCleared, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Glass Enclosed, Patio
RoofShingle
ConstructionBrick, Frame, Vinyl Siding
Other StructuresShed(s)
Road FrontageCounty Road

Additional Information

Date ListedJuly 14, 2026
Days on Market83
Tax Amount$2,732.14
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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