Active·22 days on market
4589 Belladonna Street
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
Completely remodeled and move-in ready! Up to a $5,000 credit for rate buydown or buyer discretion from seller. This 3-bedroom, 2-bath manufactured home sits on 1.03 acres and offers a fresh, modern feel throughout. The open living and kitchen area features updated flooring, recessed lighting, white cabinetry, butcher-block-style countertops, stainless steel appliances and plenty of natural light. Both bathrooms have been updated, including a large vanity in the primary bath. Enjoy the large covered front porch overlooking the yard, perfect for relaxing outdoors. Situated on a wooded corner lot near the end of the road with only neighbor traffic, the property offers open yard space surrounded by mature trees and a natural ravine near the rear property line. With fresh neutral finishes, updated fixtures, ample closet space and room to enjoy over an acre of land, this home is ready for its next owner. Come take a look!
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: Metal — year not disclosed (home built 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,479 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 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): $790/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
- Oct 9, 2026Price change$240,000−$9,000
- Aug 17, 2026Listed$249,000
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 $213/sq ft; this home is listed at $208/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2510 Primrose Avenue, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLC | Apr 2026 | $250,000 | $172 | 3/2 | 1,456 | 18 | 0.1 |
| 4583 Alligator Boulevard, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Aug 2026 | $258,000 | $288 | 2/1 | 896 | 53 | 0.5 |
| 4700 Heather Street, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLC | Aug 2025 | $239,000 | $209 | 3/2 | 1,144 | 30 | 0.5 |
| 4355 Longmire Road, Middleburg, FL 32068Listed by REAL BROKER LLC | Aug 2026 | $299,990 | $213 | 4/2 | 1,410 | 150 | 0.7 |
| 4655 Plantain Avenue, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Mar 2026 | $100,000 | $109 | 3/2 | 920 | 35 | 0.7 |
| 2694 Poinsettia Avenue, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $311,000 | $251 | 3/2 | 1,240 | 18 | 0.8 |
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: 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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Text Krista about this home20+ years · 500+ closings · NE Florida
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