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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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Sold

Sold·Closed Aug 14, 2026·6 days on market

4620 Hedgehog Street

Middleburg, FL 32068

$474,900sold priceListed at $469,900 · 101.1% of asking$152/sqftMLS# 2155737
5
Beds
3.5
Baths
3,126
Sq Ft
2000
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA1.12 acresSingle Family Residence2 stories

About this home

Middleburg

Step inside this beautifully updated multi-generational home. From the moment you walk through the front door, you'll appreciate the soaring ceilings, light-filled spaces, and thoughtfully curated finishes that create an inviting atmosphere throughout. The spacious main living area features a stunning floor-to-ceiling stone fireplace as its focal point, complemented by luxury vinyl plank flooring, and a downstairs area that's perfect for entertaining or relaxing with family. The beautifully renovated kitchen offers sleek quartz countertops, stainless steel appliances, abundant cabinetry, and an ideal flow into the dining area, making hosting effortless. Large windows and glass doors fill the home with natural light while providing views of the backyard, pool, and deck. The home features a full apartment downstairs complete with a private entrance, living room, kitchenette, bathroom, bedroom, and walk-in closet. This home is a must see so schedule a showing today.

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$2,630
Property taxesest. at asking price, Clay County$728
Estimated total, before insurance$3,358/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,769/yr · $481/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

$474,900
$94,980
Loan Term
Monthly Payment
$2,630
Principal & Interest: $2,630
Property taxes (est.): $728
Insurance (est.): $317
Estimated Total Monthly
$3,675
*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: material not specified — year not disclosed (home built 2000)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,552 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,769/yr

Estimated taxes if purchased at asking price: ~$8,700/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

  • Aug 15, 2026Closed$469,900
  • Jul 22, 2026Pending$469,900
  • Jul 16, 2026Listed$469,900

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 $199/sq ft; this home is listed at $150/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4415 Tall Pines Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$439,900$1785/32,471630.7
4859 Kalmia Circle, Middleburg, FL 32068Listed by WATSON REALTY CORPMay 2026$200,000$813/22,4782890.9
4824 Dale Court, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$450,000$1994/32,264731
2893 Longleaf Ranch Circle, Middleburg, FL 32068Listed by MOMENTUM REALTYJun 2026$375,000$1714/22,192141
2635 Indigo Avenue, Middleburg, FL 32068Listed by 1 REALTY CORPMar 2026$490,000$2124/32,31501.1
4949 Kalmia Street, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$685,000$2064/3.53,3242931.2

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$469,900
Price / Sq Ft$150
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,126
Acres1.12 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo

Community Information

Address4620 Hedgehog Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size48,787.2 sq ft
Parcel Number32052400669914600

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Circular Driveway, Detached, Garage

Interior

Interior FeaturesPantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Additional Information

Date ListedJuly 16, 2026
Days on Market6
Tax Amount$5,769.23
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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

This home sold on Aug 14, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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