$390,990Sold3 bd · 2 ba · 1,401 sq ft
Sold·Closed Oct 14, 2026·77 days on market
4395 Eli Whitney Drive
Middleburg, FL 32068
About this home
Middleburg
Welcome home to this beautifully maintained, one-owner property nestled in the heart of Middleburg! Situated on a spacious 1-acre fenced lot, this meticulously cared-for 3-bedroom, 2-bath home offers the perfect blend of comfort, functionality, and outdoor living. Inside, you'll find a well-appointed kitchen featuring stainless steel appliances and inviting living spaces designed for everyday living and entertaining. Pride of ownership is evident throughout every inch of this home. Step outside to discover an impressive array of amenities, including a charming gazebo, pole barn, workshop, and storage shed--providing plenty of space for hobbies, projects, and all your equipment. The irrigation system keeps the property looking its best year-round, while the outdoor shower is perfect after a day of gardening or enjoying the Florida sunshine. Additional highlights include a whole-home generator for peace of mind, ample extra parking for boats, RVs, or guests, continued...
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,619 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 9 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 2 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 9 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Oct 14, 2026Closed$399,990
- Oct 14, 2026Pending$399,990
- Sep 10, 2026Active Under Contract$399,990
- Aug 26, 2026Price change$399,990−$29,910
- Aug 11, 2026Price change$429,900−$10,000
- Jul 24, 2026Active$439,900
- Jul 16, 2026Listed$439,900
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 $217/sq ft; this home is listed at $279/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4395 Cotton Gin Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $419,633 | $233 | 3/2 | 1,801 | 51 | 0.1 |
| 66 Panda Avenue, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLC | Oct 2026 | $260,000 | $160 | 3/2 | 1,620 | 58 | 0.4 |
| 12 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Aug 2026 | $390,000 | $217 | 3/2 | 1,800 | 21 | 0.7 |
| 45 Mint Circle, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $376,000 | $251 | 4/2 | 1,496 | 16 | 0.7 |
| 128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $310,000 | $181 | 3/2 | 1,716 | 36 | 0.7 |
| 156 Horsetail Avenue, Middleburg, FL 32068Listed by REALTY MASTERS, INC. | Aug 2026 | $164,900 | $113 | 3/2 | 1,464 | 177 | 0.9 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Sold by: CHAD AND SANDY REAL ESTATE GROUP (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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