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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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Sold

Sold·Closed Sep 30, 2026·14 days on market

469 Jill Street

Middleburg, FL 32068

$401,000sold priceListed at $401,000 · 100% of asking$245/sqftMLS# 2158097
4
Beds
2
Baths
1,638
Sq Ft
2023
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.14 acresSingle Family Residence1 story

About this home

Middleburg

2023 custom-built, loved home on 1.127 acres is ready for you. The lot extends , into the woods.\, lot 164' x 300'. This 4 bedroom home offers upgrades you won't find in many other homes. Upgrades include double entry doors welcoming you, just beyond a covered front porch, a metal roof, cementous siding, black gutters, black window frames. A beautiful kitchen with an extra-large island, black stainless-steel appliances. and quartz countertops. Nicely appointed bathrooms, Water softener, and 50-amp service for your RV/boat parking, covered back porch, and no carpeting. The construction on this home is above the construction you find on the typical mass builder. Location provides private country life yet close to amenities such as schools, hospital, shopping and restaurants. Come see it today, shows even better in person. Washer and dryer convey.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,221
Property taxesest. at asking price, Clay County$615
Estimated total, before insurance$2,836/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,849/yr · $321/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

$401,000
$80,200
Loan Term
Monthly Payment
$2,221
Principal & Interest: $2,221
Property taxes (est.): $615
Insurance (est.): $267
Estimated Total Monthly
$3,103
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Metal — year not disclosed (home built 2023)

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

Solar potential: ~1,386 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 home

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 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): $3,849/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

  • Oct 1, 2026Closed$401,000
  • Sep 4, 2026Active Under Contract$401,000
  • Aug 21, 2026Active$401,000
  • Jul 31, 2026Listed$401,000

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 $190/sq ft; this home is listed at $245/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
60 Plankton Avenue, Middleburg, FL 32068Listed by EAST COAST REALTYSep 2026$239,900$1483/21,620600.2
13 Tulip Court, Middleburg, FL 32068Listed by LANTERN REALTY, LLC.Sep 2026$274,900$1434/21,924950.2
63 Parsley Avenue, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$314,716$2473/21,276160.3
5117 Huntington Court, Middleburg, FL 32068Listed by WATSON REALTY CORPJun 2026$225,000$1903/21,186180.5
212 N Mimosa Avenue, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$430,000$2253/21,91020.6
2183 Maluke Lane, Middleburg, FL 32068Listed by EXP REALTY LLCJul 2026$155,000$1083/21,440670.7

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

Price$401,000
Price / Sq Ft$245
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,638
Acres1.14 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address469 Jill Street, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size49,658.4 sq ft
Lot Dimensions164 x 300
Parcel Number08052400595100147
ZoningResidential

Amenities

UtilitiesCable Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
RoofMetal
ConstructionFiber Cement

Additional Information

Date ListedAugust 21, 2026
Days on Market14
Tax Amount$3,848.99
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JPAR CITY AND BEACH

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 30, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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