$1,199,000Active Under Contract4 bd · 3 ba · 2,407 sq ft
Active Under Contract·64 days on market
3126 Nautilus Road
Middleburg, FL 32068
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About this home
Middleburg
Welcome to the waterfront lifestyle on Doctors Lake, where views, boating, fishing and unforgettable sunsets are right outside your back door. From the moment you enter this beautifully maintained, one-owner home, the sparkling pool and lake are in view. Situated on approx. 100 ft. of waterfront, spend your days on Doctors Lake, cruise over to Whitey's Fish Camp then head over to the St. Johns River and even to the ocean if your patient. Ask for Feature sheet for full list of updates including European white oak flooring throughout, remodeled bathrooms, extensive moulding, plantation shutters and a modern central kitchen. The home's thoughtful design and upkeep has been an exceptional priority for the original owner. Outdoor living is a highlight. A newer saltwater pool and hot tub, an expansive backyard, mature oaks with Spanish moss, your own dock and covered 10,000 lb. boat lift. This home was made for enjoying the Florida lifestyle. Make an appointment to secure this opportunity
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,706 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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 24 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 7 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 1 mi · Doctors Lake
Closest grocery store
Publixabout 6 mi · 6001 Argyle Forest Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 6:46 AM, sunset 5:36 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,496/yr
Estimated taxes if purchased at asking price: ~$22,000/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 16, 2026Active Under Contract$1,199,000
- Sep 4, 2026Active$1,199,000
- Sep 3, 2026Listed$1,199,000
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 $205/sq ft; this home is listed at $498/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3151 Nautilus Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $505,000 | $189 | 4/3 | 2,672 | 64 | 0.1 |
| 1912 Silo Oaks Place, Middleburg, FL 32068Listed by MAGNOLIA REAL ESTATE COMPANY | Oct 2026 | $489,990 | $205 | 3/2 | 2,389 | 4 | 0.1 |
| 3074 Nautilus Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $430,000 | $199 | 4/3 | 2,164 | 4 | 0.2 |
| 3034 Nautilus Road, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Oct 2026 | $417,500 | $202 | 4/2 | 2,067 | 26 | 0.2 |
| 1820 Waterbury Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Nov 2026 | $815,000 | $301 | 4/2.5 | 2,706 | 4 | 0.7 |
| 1850 Waterbury Lane, Fleming Island, FL 32003Listed by MILLER & COMPANY REAL ESTATE | Sep 2026 | $690,600 | $294 | 4/2.5 | 2,345 | 194 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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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