Active·10 days on market
1072 Merlin Point
Middleburg, FL 32068
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Welcome home, tucked away on a quiet cul de sac in the gated Two Creeks Preserve community. This spacious two story home offers soaring vaulted ceilings, abundant natural light, and elegant finishes throughout. The gourmet kitchen is a true standout, featuring solid-surface countertops, double ovens, a walk-in pantry, center island with bar seating, and stainless steel appliances perfect for everyday living or entertaining. The generous downstairs primary suite provides a private retreat with walk-in closets, a garden tub, dual vanities, and a separate shower. Upstairs, a wraparound staircase leads to a versatile bonus room and loft area, offering plenty of space for a home office, playroom, or additional living area. Enjoy the privacy of a gated community, conveniently located near popular shopping, dining, and everyday conveniences. Don't miss the opportunity to make this beautiful Two Creeks home your own!
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 A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2015)
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: ~1,713 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 October 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): $7,691/yr
Estimated taxes if purchased at asking price: ~$10,300/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 1, 2026Price change$559,999−$5,001
- Oct 1, 2026Active$565,000
- Sep 16, 2026Listed$565,000
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 $184/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1322 Warbler Way, Middleburg, FL 32068Listed by SHOE REALTY INC | Aug 2026 | $515,000 | $184 | 4/3.5 | 2,806 | 32 | 0.3 |
| 4588 Golf Brook Road, Orange Park, FL 32065Listed by EXP REALTY LLC | Oct 2026 | $375,300 | $151 | 4/3 | 2,492 | 93 | 0.4 |
| 4616 Golf Brook Road, Orange Park, FL 32065Listed by ERA ONETEAM REALTY | Jul 2026 | $595,000 | $190 | 4/3.5 | 3,127 | 31 | 0.4 |
| 3839 Trail Ridge Road, Middleburg, FL 32068Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Aug 2026 | $500,000 | $166 | 5/3 | 3,007 | 81 | 0.6 |
| 1415 King Rail Lane, Middleburg, FL 32068Listed by GAILEY ENTERPRISES LLC | Jun 2026 | $500,000 | $170 | 4/3 | 2,936 | 61 | 0.6 |
| 4268 Powderhorn Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $865,000 | $258 | 4/3 | 3,357 | 0 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE 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.
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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.
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