$509,000Pending5 bd · 3.5 ba · 3,459 sq ft
Pending·101 days on market
3551 Cedar Preserve Lane
Middleburg, FL 32068
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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
Experience the thoughtfully designed Yorkshire floor plan featuring a charming Craftsman elevation, 5 bedrooms, 3.5 bathrooms, a spacious upstairs loft, two versatile living areas, and a 2-car garage. Luxury vinyl plank flooring flows throughout the main living spaces, creating a stylish and durable foundation for everyday living. The gourmet kitchen is beautifully appointed with quartz countertops, white cabinetry, stainless steel appliances, and a white horizontal offset tile backsplash, all overlooking the open gathering room and covered lanai for seamless indoor-outdoor living. Upstairs, the private owner's suite provides a relaxing retreat, while the spacious secondary bedrooms and flexible loft offer plenty of room for family, guests, or a home office. Thoughtful finishing touches, including 8-foot interior doors, brushed nickel hardware, 2-inch faux wood blinds, floor outlets, and beautifully appointed bathrooms, complete this well-designed home.
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.
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 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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,741 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 August 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 7 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 5 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 5 mi · Doctors Lake
Closest grocery store
Publixabout 3 mi · 9518 Argyle Forest Blvd, 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
- Nov 4, 2026Pending$509,000
- Sep 24, 2026Price change$509,000−$5,000
- Sep 10, 2026Price change$514,000−$10,000
- Aug 5, 2026Price change$524,000−$4,000
- Jul 31, 2026Listed$528,000
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 $161/sq ft; this home is listed at $147/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3444 Kindlewood Drive, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Jul 2026 | $440,000 | $158 | 5/4 | 2,782 | 72 | 0.1 |
| 921 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $570,990 | $165 | 5/4.5 | 3,459 | 16 | 0.2 |
| 3463 Belen Court, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $399,999 | $160 | 5/3 | 2,500 | 15 | 0.3 |
| 703 Welcome Home Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $390,500 | $158 | 4/2.5 | 2,465 | 46 | 0.6 |
| 846 Point Heron Loop, Orange Park, FL 32073Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $436,990 | $175 | 4/3 | 2,500 | 98 | 0.7 |
| 3445 Golden Eye Drive, Orange Park, FL 32073Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $439,990 | $161 | 4/4 | 2,728 | 110 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, 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.
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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