Sold·Closed Sep 18, 2026·15 days on market
3463 Belen Court
Middleburg, FL 32068
About this home
Middleburg
Want the most home for your money? You've found it. Why wait months for new construction only to spend thousands more on upgrades? This move-in ready Oakleaf area home already has the features buyers end up paying for later--a fully fenced backyard, paid-off solar panels to keep electric bills low, an EV charger in the garage, stainless steel kitchen appliances, a deep farmhouse sink, and even the washer and dryer are included. Better yet, you'll enjoy a larger homesite, more living space, and NO CDD fees--advantages that are becoming increasingly difficult to find at this price. Inside, you'll find an incredibly functional floor plan with 5 bedrooms, 3 full bathrooms, a first-floor bedroom and full bath perfect for guests or multi-generational living, a dedicated home office, and a large upstairs bonus/flex room that can easily become a playroom, media room, homeschool space, or second living area. Everyone has room to spread out. Nestled on a quiet cul-de-sac in one of the Oakleaf
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: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,760 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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,197/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
- Sep 18, 2026Closed$399,999
- Aug 21, 2026Active Under Contract$399,999
- Aug 5, 2026Listed$399,999
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 $160/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 868 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $377,000 | $212 | 4/2 | 1,775 | 34 | 0.2 |
| 3526 Cedar Preserve Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $398,840 | $186 | 4/3 | 2,139 | 55 | 0.3 |
| 3536 Cunningham Road, Orange Park, FL 32065Listed by MOMENTUM REALTY | Aug 2026 | $345,000 | $190 | 4/2 | 1,819 | 117 | 0.8 |
| 615 Bartram Downs Road, Orange Park, FL 32065Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $430,000 | $180 | 4/3 | 2,388 | 16 | 0.9 |
| 846 Point Heron Loop, Orange Park, FL 32073Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $436,990 | $175 | 4/3 | 2,500 | 98 | 1 |
| 3457 Golden Eye Drive, Orange Park, FL 32073Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $425,990 | $190 | 3/2 | 2,246 | 0 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 18, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines