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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 10, 2026·2 days on market

212 N Mimosa Avenue

Middleburg, FL 32068

$430,000sold priceListed at $425,000 · 101.2% of asking$225/sqftMLS# 2160616
3
Beds
2
Baths
1,910
Sq Ft
2017
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.14 acresSingle Family Residence1 story

About this home

Middleburg

Over an Acre + 1,000 Sq Ft Shop + No HOA + A-Rated Schools! If you've been looking for SPACE, PRIVACY and a serious SHOP, this is the one! Set on 1.136 acres with NO HOA and NO CDD, this 3-bedroom, 2-bath home offers 1,910 sq ft plus a dedicated office and an incredible 1,000 sq ft workshop with electricity. There's even a separate she-shed, perfect for sewing, crafts or hobbies! Inside, you'll find NO CARPET, an open floor plan, granite countertops, a spacious kitchen with abundant cabinetry, and a large primary suite with a beautifully appointed bath. French doors open to a covered patio overlooking the expansive yard, giving you plenty of room to relax, garden or simply enjoy the privacy. Whether you're a woodworker, car enthusiast, hobbyist or just need serious storage and workspace, this property offers something that's increasingly hard to find: a beautiful home on over an acre, a 1,000 sq ft shop, NO HOA, NO CDD and A-RATED SCHOOLS!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,382
Property taxesest. at asking price, Clay County$659
Estimated total, before insurance$3,041/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,669/yr · $306/mo
  • • 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

$430,000
$86,000
Loan Term
Monthly Payment
$2,382
Principal & Interest: $2,382
Property taxes (est.): $659
Insurance (est.): $287
Estimated Total Monthly
$3,327
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2017)

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: ~1,714 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 home

As 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,669/yr

Estimated taxes if purchased at asking price: ~$7,900/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 10, 2026Closed$425,000
  • Aug 20, 2026Pending$425,000
  • Aug 18, 2026Listed$425,000

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 $181/sq ft; this home is listed at $223/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
132 Mandrake Street, Middleburg, FL 32068Listed by DUVAL REALTY OF JAXJul 2026$110,000$683/21,607190.4
13 Tulip Court, Middleburg, FL 32068Listed by LANTERN REALTY, LLC.Sep 2026$274,900$1434/21,924950.5
45 Mint Circle, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLCAug 2026$376,000$2514/21,496160.5
128 Sesame Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$310,000$1813/21,716360.5
469 Jill Street, Middleburg, FL 32068Listed by JPAR CITY AND BEACHSep 2026$401,000$2454/21,638140.6
60 Plankton Avenue, Middleburg, FL 32068Listed by EAST COAST REALTYSep 2026$239,900$1483/21,620600.6

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

Price$425,000
Price / Sq Ft$223
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,910
Acres1.14 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryWilkinson
MiddleWilkinson

Community Information

Address212 N Mimosa Avenue, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionMiddleburg
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size49,484.16 sq ft
Parcel Number09052400595347500
ZoningSingle Family

Amenities

UtilitiesCable Available, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch
FencingFenced, Back Yard
RoofShingle
ConstructionFiber Cement
Other StructuresShed(s), Workshop
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 18, 2026
Days on Market2
Tax Amount$3,668.92
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY

Sold by: WATSON REALTY CORP (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 10, 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

Is this home priced right?

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