Active·49 days on market
4835 Timothy 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
A newer home. Over an acre. A large workshop. And nobody's HOA telling you what to do. Now we're talking. Welcome to 4835 Timothy Street, a 2022-built home offering 4 bedrooms, 2 bathrooms, and 1,568 square feet on 1.11 acres in Middleburg. For buyers trying to find a little bit of everything at an attainable price point, this one checks a lot of boxes. The roof, HVAC, water heater, electrical, plumbing, and other major components are all just a few years old-a big advantage over many homes in this price range. Timothy Street is paved, too, giving you the space and freedom of a larger property without sacrificing easy access. Inside, the home is bright, spacious, and move-in ready with brand-new LVP flooring throughout. The split floor plan places the primary suite on one side of the home and the other three bedrooms on the opposite side, giving everyone a little extra privacy. And with both a living room and a separate family room, there's plenty of space to spread out without
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: Shingle — year not disclosed (home built 2022)
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: ~906 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $248,578 | $248,578 | — |
| 2024 | $234,496 | $230,851 | — |
| 2023 | $209,865 | $209,865 | — |
| 2022 | $46,557 | $46,557 | — |
| 2021 | $36,087 | $36,087 | — |
| 2020 | $33,987 | $7,228 | — |
2025 property taxes (current owner): $4,149/yr
Estimated taxes if purchased at asking price: ~$5,100/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 (2025), NEFMLS.
History
Price & status history
- Oct 5, 2026Price change$279,000−$3,000
- Sep 21, 2026Price change$282,000−$500
- Sep 21, 2026Price change$282,500−$2,500
- Aug 22, 2026Listed$285,000
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 $220/sq ft; this home is listed at $178/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4835 Timothy Street, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Jul 2026 | $142,000 | $95 | 4/2 | 1,500 | 0 | 0 |
| 2549 Snapdragon Avenue, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $255,000 | $169 | 3/2 | 1,512 | 2 | 0.1 |
| 4922 Barley Street, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | May 2026 | $425,900 | $282 | 3/2 | 1,511 | 47 | 0.5 |
| 2963 Backwoods Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2026 | $345,000 | $174 | 4/2 | 1,978 | 95 | 0.7 |
| 4881 Chickpea Street, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jun 2026 | $373,000 | $230 | 3/2 | 1,621 | 26 | 0.8 |
| 2388 Gardenia Avenue, Middleburg, FL 32068Listed by REAL BROKER LLC | Jun 2026 | $349,990 | $220 | 3/2 | 1,593 | 41 | 0.9 |
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: EXIT INSPIRED REAL ESTATE
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
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