Active Under Contract·69 days on market
2475 Oleander Avenue
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Charming 4-bedroom, 2-bath home nestled on a serene 1.63-acre corner lot in the desirable Middleburg area. Built in 2006, this spacious home features a desirable open floor plan with a spacious island overlooking large welcoming living room and formal dining area. Generously sized bedrooms provide plenty of space, while the primary suite offers a spacious bath with a relaxing garden tub and separate walk-in shower. Recent updates include a 2023 Roof 2026 HVAC, 2024 Water heater, **Property does need paint/ various cosmetic repairs and is perfect RARE opportunity to purchase significantly **Under market value! Additional highlights include an inside laundry room with convenient access to the oversized carport. With plenty of room to expand, garden, or create your dream outdoor oasis, this property offers endless possibilities. Enjoy the privacy and freedom of country living with no HOA while remaining just minutes from shopping, dining, schools, and convenient access to Blanding Blvd.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,599 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 homeAs 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): $4,371/yr
Estimated taxes if purchased at asking price: ~$5,200/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 7, 2026Active Under Contract$284,900
- Aug 14, 2026Active$284,900
- Aug 7, 2026Active Under Contract$284,900
- Aug 3, 2026Listed$284,900
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 $213/sq ft; this home is listed at $157/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2482 Oleander Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Aug 2026 | $394,000 | $197 | 3/2 | 2,000 | 111 | 0.1 |
| 4653 Calendula Avenue, Middleburg, FL 32068Listed by MOXII PRO REALTY | Jul 2026 | $312,000 | $137 | 4/2 | 2,278 | 4 | 0.1 |
| 2414 Daisy Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jul 2026 | $348,000 | $230 | 3/2 | 1,512 | 35 | 0.1 |
| 2351 Daisy Street, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $400,000 | $221 | 4/2 | 1,811 | 38 | 0.5 |
| 4355 Longmire Road, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $299,990 | $213 | 4/2 | 1,410 | 150 | 0.8 |
| 2549 Snapdragon Avenue, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $255,000 | $169 | 3/2 | 1,512 | 2 | 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.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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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Krista Fracke
Broker Associate
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