Active·58 days on market
1285 Hatcher Road
Middleburg, FL 32068
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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
BUYER'S FINANCING FELL THROUGH! 5.64-Acre Multi-Parcel Opportunity in Middleburg--Home + 3 Vacant Lots. A rare offering in Middleburg: four separate parcels totaling 5.64 acres, including a 1-acre homesite with a 4-bed, 3-bath all-brick home and a beautiful, sparkling pool already placed for you. The home features a brand-new roof and is ready for your personal touch. The remaining three parcels are vacant land--ideal for building, expanding, or investing. The pole barn comes equipped with 3-phase power for your heavy-duty equipment. All parcels are sold together. The main house needs some updates and flooring. The second dwelling is sold as is.
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.
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 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,511 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.
History
Price & status history
- Sep 26, 2026Active$900,000
- Aug 28, 2026Active Under Contract$900,000
- Aug 13, 2026Listed$900,000
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 $171/sq ft; this home is listed at $257/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4207 Cherry Lake Lane, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $405,000 | $162 | 4/3 | 2,505 | 125 | 0.6 |
| 1697 Linda Lakes Lane, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2025 | $515,000 | $207 | 4/2.5 | 2,491 | 85 | 0.6 |
| 1942 Leap Frog Lane, Middleburg, FL 32068Listed by EVERYSTATE INC | Jul 2026 | $355,000 | $145 | 4/3 | 2,454 | 185 | 0.9 |
| 4506 Junction Drive, Middleburg, FL 32068Listed by WATSON REALTY CORP | Mar 2026 | $425,000 | $171 | 4/3 | 2,490 | 23 | 0.9 |
| 4141 Sidewinder Trail, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $460,000 | $176 | 4/3 | 2,610 | 87 | 1 |
| 4339 Song Sparrow Drive, Middleburg, FL 32068Listed by TRINITY REAL ESTATE III LLC | Jun 2026 | $383,000 | $110 | 4/4 | 3,479 | 101 | 1.1 |
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
Exterior
Additional Information
Listing Courtesy of: JPAR CITY AND BEACH
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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