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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

Pending·69 days on market

286 Evergreen Lane

Middleburg, FL 32068

$225,000$192/sqftEst. $1,246/moMLS# 2158174
↓ $5,000 below original list
3
Beds
2
Baths
1,174
Sq Ft
1976
Built
1
Garage
No
Pool
FEMA Zone XNo HOA15,246 sqft lotSingle Family Residence1 story

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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

Welcome to this 3-bedroom, 2-bath concrete block home nestled on a spacious corner lot in Greenwood Estates. Situated on approximately 0.318 acres, this property offers a fully fenced backyard, an exterior RV hookup, and plenty of outdoor space to enjoy. Inside, you'll find a functional layout with comfortable living spaces and the opportunity to bring your vision to life. Whether you're looking to personalize a home to fit your style or simply add your own finishing touches, this property offers a great foundation to make it your own. Recent updates include a 2019 roof and a 2022 HVAC system, providing added peace of mind for years to come. Conveniently located in Middleburg with easy access to the First Coast Expressway, medical facilities, shopping, dining, and everyday conveniences. Families will appreciate access to A-rated schools, while the absence of HOA and CDD fees gives you the freedom to enjoy your property your way.

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$1,246
Property taxesest. at asking price, Clay County$345
Estimated total, before insurance$1,591/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,086/yr · $257/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

$225,000
$45,000
Loan Term
Monthly Payment
$1,246
Principal & Interest: $1,246
Property taxes (est.): $345
Insurance (est.): $150
Estimated Total Monthly
$1,741
*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: material not specified — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,752 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.

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): $3,086/yr

Estimated taxes if purchased at asking price: ~$4,100/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 30, 2026Pending$225,000
  • Sep 1, 2026Price change$225,000−$5,000
  • Aug 1, 2026Price change$230,000+$10,000
  • Aug 1, 2026Listed$220,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$225,000
Price / Sq Ft$192
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,174
Acres0.35 acres
Year Built1976
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address286 Evergreen Lane, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size15,246 sq ft
Parcel Number34042500815304200

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Garage

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedAugust 1, 2026
Days on Market59
Tax Amount$3,085.96
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: US REALTY HUB

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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