Active·19 days on market
1899 Cogdill
Middleburg, FL 32068
About this home
Middleburg
Welcome Home to this beautifully built Richmond American home that truly shows like a model! Every detail was thoughtfully considered when the owners built this gorgeous Pearl floor plan. Featuring 4 bedrooms, 3 full bathrooms, and a spacious loft, this home offers a wonderful layout with plenty of room for family and guests. The gourmet kitchen is the heart of the home and is perfect for entertaining. A bedroom and full bathroom downstairs provide an ideal space for guests, extended family, or a private home office. Step outside to your own backyard retreat featuring a screened-in, in-ground saltwater pool, perfect for enjoying the Florida lifestyle! The fully fenced backyard offers privacy and includes a full irrigation system for easy maintenance. Conveniently located just minutes from Fleming Island, with easy access to shopping, restaurants, medical facilities, the hospital, and so much more. This home has been beautifully maintained and is truly move-in ready!
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,308 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 September 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 7, 2026Active$480,000
- Aug 22, 2026Listed$480,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
Keep looking
More homes in Laurel Oaks
Pending5264 Basswood Honey LoopApopka, FL 32712
4 bd · 2.5 ba · 2,502 sq ft
$527,994Est. $2,810/moWelcome to this stunning new construction home offering 4 bedrooms, 2.5 bathrooms, and over 2,500 sq ft of thoughtfully…
Listing Office: non mls (realmls)
For Sale1830 Cogdill TraceMiddleburg, FL 32068
4 bd · 3 ba · 1,879 sq ft
$355,000Est. $1,889/moWelcome home to this beautiful 4BR/3BA corner-lot home in the intimate Laurel Oaks community! The bright, open floor…
Listing Office: florida homes realty & mtg llc
For Sale1896 Cogdill TraceMiddleburg, FL 32068
4 bd · 2 ba · 1,811 sq ft
$336,000Est. $1,788/moWelcome to 1896 Cogdill Trace, a charming residence in the heart of Middleburg, FL. This property offers a blend of…
Listing Office: military realty of florida
For Sale1860 CogdillMiddleburg, FL 32068
3 bd · 2 ba · 1,607 sq ft
$329,999Est. $1,756/moWelcome to your next home, where style meets comfort in this beautifully maintained residence! This spacious home…
Listing Office: north florida real estate partners inc
Keep looking
Similar homes in Middleburg
Your Local Realtor
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines