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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active Under Contract

Active Under Contract·9 days on market

2309 Casablanca Court

Middleburg, FL 32068

$270,000$202/sqftEst. $1,496/moMLS# 2167386
3
Beds
2
Baths
1,338
Sq Ft
1997
Built
2
Garage
No
Pool
FEMA Zone XNo HOA6,534 sqft lotSingle Family Residence1 story

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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 to this beautifully cared for updated home! The curb appeal is amazing! Gardenia's, azaleas, citrus and pear trees greet you on the way to the front door! This home offers bright natural light, high ceilings & a great open split-bedroom floor plan. ALL bedrooms have walk-in closets! Interior features updated kitchen & baths, newer LVP flooring throughout (no carpet!), fresh paint, wood-burning fireplace, AND all ss appliances including washer/dryer convey. Exterior features fully-fenced backyard, gutters, shed, & of course that fabulous curb appeal w/ many various floral & fruit/vegetable trees/plants! Seller is offering a NEW ROOF with an acceptable offer (current roof is just older- no known issues/leaks at all). Home is beautiful & affordable. Location Location! Close to Fleming Island shopping & restaurants (w/ no HOA or CDD fees)! A-rated schools! Come see for yourself. You won't be disappointed!

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$1,496
Property taxesest. at asking price, Clay County$414
Estimated total, before insurance$1,909/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,813/yr · $151/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$270,000
$54,000
Loan Term
Monthly Payment
$1,496
Principal & Interest: $1,496
Property taxes (est.): $414
Insurance (est.): $180
Estimated Total Monthly
$2,089
*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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1997)

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: ~1,759 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 home

As 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

YearMarket valueTaxable valueChange
2025$225,999$84,848—
2024$223,216$81,609—
2023$222,235$222,235—
2022$200,460$50,575—
2021$145,279$47,646—
2020$141,194$46,298—

2025 property taxes (current owner): $1,813/yr

Estimated taxes if purchased at asking price: ~$5,000/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 (2025), NEFMLS.

History

Price & status history

  • Oct 6, 2026Active Under Contract$270,000
  • Oct 1, 2026Listed$270,000

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 $208/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1928 Farm Way, Middleburg, FL 32068Listed by AT HOME REALTY SERVICES, LLC.Aug 2026$285,714$2063/21,386280.1
2164 Orangewood Street, Middleburg, FL 32068Listed by WATSON REALTY CORPJul 2026$280,000$2123/21,320100.1
2420 Cashmere Court, Middleburg, FL 32068Listed by ERA ONETEAM REALTYSep 2026$300,000$2163/21,39040.4
1818 Farm Way, Middleburg, FL 32068Listed by EXP REALTY LLCAug 2026$270,000$2083/21,298680.4
2454 Ambrosia Drive, Middleburg, FL 32068Listed by RE/MAX SPECIALISTSJul 2026$192,000$1283/21,496140.4
1862 Farm Way, Middleburg, FL 32068Listed by FLATFLEE.COM INCJun 2026$185,000$1413/21,311290.4

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$270,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,338
Acres0.15 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementarySwimming Pen Creek
MiddleLakeside

Community Information

Address2309 Casablanca Court, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionOrange Park South
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,534 sq ft
Lot Dimensions60' x 110'
Parcel Number41052500882301525
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LaundryIn Garage

Exterior

Lot DescriptionDead End Street
Patio / PorchPatio
FencingFenced, Back Yard, Wood
RoofShingle
ConstructionFiber Cement, Frame
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 1, 2026
Days on Market5
Tax Amount$1,813.44
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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