Active·22 days on market
3448 Driver Lane
Middleburg, FL 32068
See it this week
Want to walk through this home this week?
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
This stunning 2,436 sq ft mobile home, set on just over an acre with a sprawling backyard, offers the perfect blend of space and tranquility. Step inside to find a bright, open floor plan that invites you to relax and entertain. The home boasts beautiful laminate flooring throughout, ensuring a modern feel with no carpet in sight.The rustic kitchen features an inviting island that overlooks the family room, creating a warm gathering space. Enjoy the privacy of a split floor plan, highlighted by a spacious primary bedroom with a luxurious en suite bathroom, complete with a large soaking tub and separate shower.A versatile bonus room awaits your creativity--ideal for a playroom, office, or entertainment area. The expansive yard is a blank canvas, ready for your personal touch, whether it's a garden, patio, or playground. Conveniently located near shops, restaurants, and schools, this home truly offers the best of both worlds. Don't miss your chance to own this exceptional property.
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 SPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 2023)
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: ~1,539 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 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 | $256,450 | $256,450 | ▼ $70,078 |
| 2024 | $316,283 | $316,283 | — |
| 2023 | $135,539 | $135,539 | — |
| 2022 | $91,141 | $80,159 | — |
| 2021 | $72,872 | $72,872 | — |
| 2020 | $63,667 | $63,281 | — |
2025 property taxes (current owner): $5,338/yr
Estimated taxes if purchased at asking price: ~$5,500/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 7, 2026Price change$299,900−$25,100
- Sep 25, 2026Price change$325,000−$4,000
- Sep 18, 2026Listed$329,000
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 $186/sq ft; this home is listed at $123/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3215 Robin Lane, Middleburg, FL 32068Listed by WATSON REALTY CORP | Aug 2026 | $220,000 | $122 | 3/2 | 1,800 | 4 | 0.4 |
| 3519 County Road 218, Middleburg, FL 32068Listed by WATSON REALTY CORP | Aug 2026 | $650,000 | $292 | 3/2.5 | 2,227 | 92 | 1.2 |
| 3265 Thunder Road, Middleburg, FL 32068Listed by REAL BROKER LLC | Oct 2026 | $575,000 | $245 | 3/2 | 2,350 | 26 | 1.3 |
| 3005 Sunset Ridge Drive, Middleburg, FL 32068Listed by LOKATION | Sep 2026 | $330,000 | $177 | 3/2 | 1,865 | 185 | 1.4 |
| 2978 Ravine Hill Drive, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Jul 2026 | $341,500 | $186 | 4/2.5 | 1,836 | 139 | 1.5 |
| 2725 Ravine Hill Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $149 | 4/2.5 | 2,280 | 129 | 1.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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.
Keep looking
More homes in Metes & Bounds
For Sale3216 Mill Creek RoadMiddleburg, FL 32068
3 bd · 2 ba · 2,048 sq ft
$299,900Est. $1,596/moBrand new mobile home on 1 acre of land in desirable Middleburg is ready for new owners! The property includes two…
Listing Office: keller williams realty atlantic partners
For Sale954 McLaughlin LaneMiddleburg, FL 32068
2 bd · 2 ba · 720 sq ft
$299,900Est. $1,596/moThis will be a Champion Providence 32x60 Brand New Manufactured Home. You can pick you own colors and make this your…
Listing Office: lantern realty, llc.
For Sale201 Comer RoadPalatka, FL 32177
4 bd · 2 ba · 1,742 sq ft
$300,000Est. $1,597/moFreshly renovated and sitting on a full acre, 201 Comer Road offers the space you want without the project list. This…
Listing Office: timber to tides realty llc
For Sale1134 Brewster'S CoveGreen Cove Springs, FL 32043
4 bd · 2 ba · 1,768 sq ft
$300,000Est. $1,597/moNEW and NO HOA or CDD FEES! -- Be the first to live in this 4BR/2BA mobile home set on a wooded one acre lot just South…
Listing Office: keller williams realty atlantic partners
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