Active·75 days on market
3621 County Road 215
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Welcome to your own private slice of country living, where space, comfort, and endless possibilities come together. Nestled on nearly 3 acres, this expansive brick estate offers over 3,100 square feet of living space with 5 spacious bedrooms, 3.5 bathrooms, and a dedicated office/flex room, providing plenty of room for growing families, multigenerational living, or those working from home. As you arrive, you'll be welcomed by fresh landscaping, an oversized driveway, and a gated entrance leading to the fully fenced homesite, offering privacy, security, and plenty of space to spread out. The interior has been freshly painted and features tile flooring throughout, creating a clean, low-maintenance living environment with no carpet anywhere in the home. At the heart of the home, you'll find a spacious kitchen complete with granite countertops, ample cabinet space, and a custom-built walk-in pantry featuring beautiful wood shelving, cabinets, and a butcher block countertop, thoughtfully
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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1977)
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: ~1,089 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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): $6,187/yr
Estimated taxes if purchased at asking price: ~$9,700/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
- Sep 2, 2026Price change$525,000−$20,000
- Jul 31, 2026Active$545,000
- Jul 29, 2026Listed$545,000
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 $199/sq ft; this home is listed at $165/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4949 Kalmia Street, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $685,000 | $206 | 4/3.5 | 3,324 | 293 | 0.7 |
| 4824 Dale Court, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $450,000 | $199 | 4/3 | 2,264 | 73 | 0.7 |
| 4859 Kalmia Circle, Middleburg, FL 32068Listed by WATSON REALTY CORP | May 2026 | $200,000 | $81 | 3/2 | 2,478 | 289 | 1.1 |
| 4620 Hedgehog Street, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $474,900 | $152 | 5/3.5 | 3,126 | 6 | 1.7 |
| 4415 Tall Pines Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $439,900 | $178 | 5/3 | 2,471 | 63 | 1.9 |
| 2635 Indigo Avenue, Middleburg, FL 32068Listed by 1 REALTY CORP | Mar 2026 | $490,000 | $212 | 4/3 | 2,315 | 0 | 2.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines