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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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Pending

Pending·49 days on market

2517 Angelica Avenue

Middleburg, FL 32068

$95,000$76/sqftEst. $526/moMLS# 2161379
3
Beds
2
Baths
1,248
Sq Ft
1987
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.11 acresMobile Home1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Opportunity to own 1.11 acres with valuable improvements already in place! Property is being sold for land value only and includes a distressed mobile home with existing power, well and septic. Utilities and improvements have not been verified and should be inspected by the buyer to determine condition and usability. The existing home and infrastructure may offer significant savings compared with purchasing vacant land and starting from scratch, including the potential for reduced impact fees or credits where applicable. Bring your plans and explore the possibilities, remove the existing home and replace it, or determine whether renovation is feasible. A great option for buyers looking for land with a head start on utilities and site improvements. Please DO NOT enter property without your agent or listing agent. Brokerages held harmless.

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$526
Property taxesest. at asking price, Clay County$146
Estimated total, before insurance$672/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$705/yr · $59/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

$95,000
$19,000
Loan Term
Monthly Payment
$526
Principal & Interest: $526
Property taxes (est.): $146
Insurance (est.): $63
Estimated Total Monthly
$735
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: material not specified — year not disclosed (home built 1987)

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: ~1,243 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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $705/yr

Estimated taxes if purchased at asking price: ~$1,700/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, 2026Pending$95,000
  • Aug 22, 2026Listed$95,000

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 $224/sq ft; this home is listed at $76/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2510 Primrose Avenue, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLCApr 2026$250,000$1723/21,456180.3
4700 Heather Street, Middleburg, FL 32068Listed by SMILEEHOUSE AUCTION CO LLCAug 2025$239,000$2093/21,144300.4
4583 Alligator Boulevard, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCAug 2026$258,000$2882/1896530.5
2414 Daisy Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJul 2026$348,000$2303/21,512350.5
4655 Plantain Avenue, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATEMar 2026$100,000$1093/2920350.6
4702 Petunia Avenue, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2025$350,000$2243/21,560380.6

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$95,000
Price / Sq Ft$76
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,248
Acres1.11 acres
Year Built1987
TypeResidential
Sub-TypeMobile Home
Property ConditionFixer, To Be Built
StatusPending
Has PoolNo
Is WaterfrontNo

Community Information

Address2517 Angelica Avenue, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionJacksonville South
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size48,351.6 sq ft
Parcel Number16052400595564700

Amenities

UtilitiesElectricity Available, Sewer Connected, Water Available
Water SourceWell
ParkingUnassigned

Interior

AppliancesNone
HeatingNone
CoolingNone
# of Stories1

Exterior

Road SurfaceDirt
Road FrontageCity Street

Additional Information

Date ListedAugust 22, 2026
Days on Market46
Tax Amount$704.99
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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