Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 21
Active

$405,0005 bd · 3 ba · 2,612 sq ft

Active·113 days on market

2400 Range Line Road

Middleburg, FL 32068

$405,000$155/sqftEst. $2,208/mo mortgageMLS# 2156134
↓ $25,000 below original list
5
Beds
3
Baths
2,612
Sq Ft
1987
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA3.00 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

Incredible opportunity to create your dream estate on a beautiful 3 acre property with endless possibilities! This home has already been taken down to the studs, offering a blank canvas for an investor, builder, or buyer looking to customize every detail while building instant sweat equity. The property is the true highlight, featuring expansive acreage with room to spread out and enjoy country living without sacrificing convenience. Whether you envision a large workshop, detached garage, pole barn, RV storage, horse barn, guest house (where permitted), or simply wide-open space for recreation, this property provides the flexibility to bring your vision to life. Enjoy the existing in-ground pool and the privacy that comes with owning a large parcel, while still being just minutes from shopping, dining, and everyday amenities.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,208
Property taxesest. at asking price, Clay County$621
Estimated total, before insurance$2,829/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,456/yr · $288/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

$405,000
$81,000
Loan Term
Monthly Payment
$2,208
Principal & Interest: $2,208
Property taxes (est.): $621
Insurance (est.): $270
Estimated Total Monthly
$3,099
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 (the whole 3-acre lot)

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 1987)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,744 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,456/yr

Estimated taxes if purchased at asking price: ~$7,400/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, 2026Price change$405,000−$10,000
  • Aug 1, 2026Price change$415,000−$15,000
  • Jul 19, 2026Listed$430,000

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 $150/sq ft; this home is listed at $155/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2414 Range Line Road, Middleburg, FL 32068Listed by WATSON REALTY CORPFeb 2026$385,000$2103/21,833350
5277 Otter Lane, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$317,000$1503/22,11260.2
5181 Antler Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEAug 2026$330,000$1454/22,28000.6
2461 Silver Moss Circle, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYDec 2025$255,000$1083/22,356250.6
5012 Laurel Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$670,000$2984/32,245900.7
2355 Walters Road, Middleburg, FL 32068Listed by JOSEPH WALTER REALTY LLCJul 2026$300,000$1414/32,128400.8

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

Price$405,000
Price / Sq Ft$155
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,612
Acres3.00 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionFixer, Under Construction
StatusActive
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address2400 Range Line Road, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionClay Hill
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size130,680 sq ft
Parcel Number18052400641100102

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking

Interior

AppliancesNone
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Additional Information

Date ListedJuly 20, 2026
Days on Market113
Tax Amount$3,456.3
Tax Year2025
Listing TermsCash, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines