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Active

Active·30 days on market

2084 Tickford Street

Middleburg, FL 32068

$369,900$189/sqftEst. $1,911/moMLS# 2158248

Beds

Baths

1,962

Sq Ft

1989

Built

Garage

Yes

Pool

About this home

Middleburg

Set beneath mature shade trees & overlooking a horse farm across the street, this spacious pool home offers an uncommon sense of openness & privacy within an established neighborhood. Inside, the split-bedroom floor plan places the generous primary suite apart from the secondary bedrooms. Multiple living spaces provide flexibility, including a formal dining room, a separate room w/ built-in shelving that is ideal for an office or library & a large gathering rm anchored by a striking stone fireplace. The roomy kitchen includes an everyday dining area, while the oversized laundry room delivers the extra space every household appreciates. Step into the screened porch for a quiet place to unwind, then continue outside to a fenced backyard designed for Florida living-with an in-ground pool, patio space & storage shed. With abundant sq footage, a two-car garage & a layout ready to be personalized, this home offers the space, setting & lifestyle buyers have been waiting for. New carpet.

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,911

Principal & Interest: $1,911

Property taxes (est.): $567

Insurance (est.): $247

Estimated Total Monthly

$2,725

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.71% · 30yr$1,911

Property taxesest. at asking price, Clay County$567

Estimated total, before insurance$2,478/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$6,800/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.

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.

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.

History

Price & status history

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.

Features

Price$369,900

Price / Sq Ft$189

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

HighFleming Island

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