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Sold

Sold·Closed Sep 21, 2026·1 day on market

40 Bitterroot Avenue

Middleburg, FL 32068

$490,000sold priceListed at $490,000 · 100% of asking$212/sqftMLS# 2167082
4
Beds
3
Baths
2,315
Sq Ft
2026
Built
2
Garage
No
Pool
No HOASingle Family Residence1 storyNew construction

About this home

Middleburg

Welcome to your dream home! 4-bed 3-bath 3- car garage located in charming Middleburg. The split floor plan offers privacy for the master suite. As you step inside the living area, The open floor plan creates a seamless flow between the living room, dining area, and kitchen. Country living offers a level of privacy and peace that's hard to find elsewhere. NO HOA & NO CDD FEES. Bring all your toys, Boat Rv ATVS. Don't miss this opportunity!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,714
Property taxesest. at asking price, Clay County$751
Estimated total, before insurance$3,465/mo
  • • 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

$490,000
$98,000
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Property taxes (est.): $751
Insurance (est.): $327
Estimated Total Monthly
$3,792
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

History

Price & status history

  • Sep 30, 2026Listed$490,000

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 $212/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
32 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$465,000$2054/32,26470
12 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCAug 2026$390,000$2173/21,800210
229 Dolphin Circle, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$283,250$1534/21,848120.6
4265 Angora Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$595,000$2005/32,976680.6
4362 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTYSep 2026$465,000$2054/32,27260.7
4354 Angora Street, Middleburg, FL 32068Listed by RIVER CITY RENTALS AND REALTYSep 2026$389,000$1953/22,00060.7

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

Price$490,000
Price / Sq Ft$212
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,315
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address40 Bitterroot Avenue, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionSection Land
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number09052400595402002

Amenities

UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 30, 2026
Days on Market1
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MAGNOLIA & OAK REAL ESTATE COMPANY 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 21, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ 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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