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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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Active

$365,0004 bd · 2 ba · 1,962 sq ft

Active·94 days on market

2084 Tickford Street

Middleburg, FL 32068

$365,000$186/sqftEst. $1,990/mo mortgageMLS# 2158248
↓ $4,900 below original list
4
Beds
2
Baths
1,962
Sq Ft
1989
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA13,504 sqft lotSingle Family Residence1 story

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

Back on the market - Buyers financing fell through**TAKE A SECOND LOOK--THIS HOME HAS CHANGED!** Over $25,000 in recent improvements have given this 4BR/2BA pool home a fresh new feel, including NEW carpet, fresh interior paint, wallpaper removal & refreshed kitchen cabinetry. Even better, the big-ticket items are already handled with a NEWER ROOF, NEWER A/C and NEW WATER HEATER! Nearly 2,000 SF offers room to spread out with separate living & dining rooms, an eat-in kitchen & a spacious family room featuring a vaulted ceiling & dramatic stone fireplace. Outside may be your favorite part--enjoy the pool, screened Florida room, generous backyard, added privacy & large storage shed. Plus an oversized laundry room & 2-car garage. Located close to Whitey's Fish Camp and Fleming Island. If you've seen it before, come see what's NEW. Schedule your showing today!

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$1,990
Property taxesest. at asking price, Clay County$559
Estimated total, before insurance$2,549/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

$365,000
$73,000
Loan Term
Monthly Payment
$1,990
Principal & Interest: $1,990
Property taxes (est.): $559
Insurance (est.): $243
Estimated Total Monthly
$2,793
*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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1989)

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

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: ~1,451 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$286,783$0—
2024$283,416$76,791—
2023$282,362$72,807—
2022$257,532$73,939—
2021$184,156$70,184—
2020$179,306$68,456—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$6,700/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 (2025), NEFMLS.

History

Price & status history

  • Oct 27, 2026Active$365,000
  • Oct 1, 2026Active Under Contract$365,000
  • Sep 20, 2026Price change$365,000−$4,900
  • Aug 7, 2026Active$369,900
  • Aug 2, 2026Listed$369,900

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 $205/sq ft; this home is listed at $186/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1700 Hollow Glen Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$325,000$1813/21,79710.9
1872 Twin Peak Court, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC.Oct 2026$321,000$2223/21,44841
3034 Nautilus Road, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$417,500$2024/22,067261
1850 Waterbury Lane, Fleming Island, FL 32003Listed by MILLER & COMPANY REAL ESTATESep 2026$690,600$2944/2.52,3451941
3074 Nautilus Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$430,000$1994/32,16441.1
1912 Silo Oaks Place, Middleburg, FL 32068Listed by MAGNOLIA REAL ESTATE COMPANYOct 2026$489,990$2053/22,38941.2

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$365,000
Price / Sq Ft$186
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,962
Acres0.31 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ElementarySwimming Pen Creek
MiddleLakeside

Community Information

Address2084 Tickford Street, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionOrange Park South
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size13,503.6 sq ft
Lot Dimensions121x116x90x98
Parcel Number02052500882300330
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Sink, Washer Hookup

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Patio, Rear Porch, Screened
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionFrame, Vinyl Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 7, 2026
Days on Market94
Tax Amount$358
Tax Year2025
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REMAX WELCOME HOME

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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