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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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Pending

$382,000Pending4 bd · 3 ba · 2,107 sq ft

Pending·101 days on market

1906 Sue Meadow Lane

Middleburg, FL 32068

$382,000$181/sqftEst. $2,083/mo mortgageMLS# 2158067
↓ $13,000 below original list
4
Beds
3
Baths
2,107
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $62/moSingle Family Residence2 storiesNew construction

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

Discover the Morris, a welcoming open-concept home featuring a timeless Craftsman Elevation and a desirable corner lot location. This thoughtfully designed residence offers 4 spacious bedrooms, 3 full bathrooms, and a 2-car garage. Luxury vinyl plank flooring enhances the main living areas, creating a seamless flow from the gathering room to the upgraded covered lanai for comfortable indoor-outdoor living. The kitchen is beautifully appointed with quartz countertops, white cabinetry, and a full suite of Whirlpool appliances, including a microwave, dishwasher, refrigerator, washer, and dryer. Additional features include upgraded 8-foot interior doors, matte black hardware, faux wood blinds, and a modern smart home package, combining style, convenience, and functionality throughout this exceptional home.

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$2,083
Property taxesest. at asking price, Clay County$585
HOAbilled monthly$62
Estimated total, before insurance$2,730/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$382,000
$76,400
Loan Term
Monthly Payment
$2,083
Principal & Interest: $2,083
Property taxes (est.): $585
Insurance (est.): $255
Estimated Total Monthly
$2,923
*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

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.

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: ~1,145 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.

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.

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 15, 2026Pending$382,000
  • Sep 24, 2026Price change$382,000−$2,000
  • Aug 5, 2026Price change$384,000−$11,000
  • Jul 31, 2026Listed$395,000

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 $217/sq ft; this home is listed at $181/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1905 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$328,000$2174/21,510390
1901 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$330,500$2194/21,510380
1753 Mickey Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$361,600$2253/21,60720.1
1872 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$399,000$1873/32,139470.1
1864 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$399,900$1844/32,1711260.1
1759 Mickey Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$419,000$1964/32,139940.1

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$382,000
Price / Sq Ft$181
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,107
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address1906 Sue Meadow Lane, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionMurray Farms
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number34042500815400973

Amenities

AmenitiesPark
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 31, 2026
Days on Market101
HOA Fees$62 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

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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