Sold·Closed Sep 30, 2026·27 days on market
1670 Anne Drive
Middleburg, FL 32068
About this home
Middleburg
This could be your lucky weekend! The buyers backed out on this bargain. Discover the perfect blend of style, space, and versatility in this solid one level concrete block home nestled in one of Clay County's most established and sought-after communities. Featuring 4 bedrooms, 2 bathrooms, which includes a private owner's ensuite, this home offers durable luxury vinyl plank flooring throughout and a beautifully updated kitchen with designer finishes. Plus a large indoor laundry room. Enjoy year-round living in the spacious Florida Room, abundant storage, and a fully fenced backyard designed for entertaining with an above-ground pool, wraparound deck, and a charming tiny house ideal for a home office, studio, or hobby space. Conveniently located near shopping, dining, and parks while zoned for award-winning Clay County schools, this move-in-ready home offers exceptional value and endless possibilities.
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 — year not disclosed (home built 1985)
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: ~1,569 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): $3,678/yr
Estimated taxes if purchased at asking price: ~$4,400/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 30, 2026Closed$240,000
- Sep 28, 2026Pending$240,000
- Aug 31, 2026Active Under Contract$240,000
- Aug 21, 2026Active$240,000
- Aug 12, 2026Active Under Contract$240,000
- Aug 6, 2026Listed$240,000
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 $207/sq ft; this home is listed at $162/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2702 Pinewood Boulevard N, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $242,000 | $219 | 3/2 | 1,104 | 13 | 0.1 |
| 2706 Tina Lane, Middleburg, FL 32068Listed by COLDWELL BANKER BEN BATES INC | Oct 2026 | $220,000 | $187 | 4/2 | 1,174 | 53 | 0.2 |
| 3013 Wavering Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $280,000 | $178 | 4/2 | 1,572 | 59 | 0.2 |
| 1647 Rhonda Drive, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Sep 2026 | $243,000 | $207 | 3/2 | 1,172 | 48 | 0.3 |
| 1658 Evergreen Lane E, Middleburg, FL 32068Listed by RE/MAX SPECIALISTS | Sep 2026 | $137,600 | $102 | 3/2 | 1,348 | 171 | 0.3 |
| 1873 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $343,000 | $227 | 4/2 | 1,510 | 3 | 0.3 |
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: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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 30, 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
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