$410,0005 bd · 2.5 ba · 2,880 sq ft
Active·32 days on market
3480 Steelgate Court
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
NOW OFFERING $10,000 CASH TOWARDS RATE BUY DOWN/CLOSING COSTS. Like NEW with NEW CONSTRUCTION INCENTIVES AND LOW LOW LOW PRICE. Space galore and tucked away on a quiet dead-end street in a cul-de-sac, this spacious home offers the perfect combination of privacy, functionality, and room to spread out. Designed for both everyday living and entertaining, there's plenty of space for everyone to enjoy! The kitchen is a standout feature with beautiful quartz countertops, abundant cabinetry, a wine cooler, and plenty of room to gather. Even better, ALL appliances convey, including the garage refrigerator and washer and dryer! Upstairs, you'll find all the bedrooms, along with a spacious loft that makes the perfect second living area, game room, or additional entertainment space. And the secondary bedrooms? They're HUGE! Forget the tiny bedrooms found in so many newer homes. These rooms offer the kind of space that's becoming harder and harder to find!
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2003)
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: ~1,753 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.
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, 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 park or preserve
Sal Taylor Creek Preserveabout 9 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 4 mi · Doctors Lake
Closest grocery store
Publixabout 6 mi · 9518 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $359,854 | $308,443 | — |
2025 property taxes (current owner): $5,702/yr
Estimated taxes if purchased at asking price: ~$7,400/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 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Nov 4, 2026Price change$410,000−$2,000
- Oct 26, 2026Price change$412,000−$2,000
- Oct 21, 2026Price change$414,000−$1,000
- Oct 9, 2026Listed$415,000
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 $172/sq ft; this home is listed at $142/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3608 Meadowgreen Lane, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $330,000 | $142 | 4/2 | 2,331 | 68 | 1 |
| 2960 Tuscarora Trail, Middleburg, FL 32068Listed by WATSON REALTY CORP | Oct 2026 | $333,000 | $165 | 4/2 | 2,016 | 17 | 1.3 |
| 3291 Chimney Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $335,000 | $160 | 4/2 | 2,100 | 78 | 1.4 |
| 3165 N Star Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $477,000 | $172 | 3/2.5 | 2,777 | 31 | 1.5 |
| 1872 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $399,000 | $187 | 3/3 | 2,139 | 47 | 1.7 |
| 1864 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $399,900 | $184 | 4/3 | 2,171 | 126 | 1.7 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines