$700,0003 bd · 3 ba · 3,274 sq ft
Active·7 days on market
4305 Lazy Acres Road
Middleburg, FL 32068
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About this home
Middleburg
Premier Waterfront Living on peaceful North Fork Black Creek w/ deep water access to St. John's River. This home has so many features & upgrades make sure you reference the full list under documents. This home was not just remodeled; it was loaded w/ upgrades meticulously chosen by the seller. First, the property is fenced with an electric gate and adorned with low maintenance plants shaded by beautiful oaks w/ irrigation w/ remote access. First level covered parking w/ storage & patio space w/ creek views. The huge front porch is nice but you will definitely want to spend all your days on the screened back porch enjoying the breeze w/ creek views, gas fireplace, built-in TV, outdoor kitchen & plenty of room to entertain. This home is loaded w/ windows that fill the home w/ natural light. There are 3 sets of doors to access the screened porch to take in the view. The chef's kitchen has gas stove & oven w/ dual door, custom cabinets, book-page granite, & a pot-filler just to name a few.
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 AE — 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.
Hurricane evacuation zone NPBC
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Metal — year not disclosed (home built 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,668 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 November 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
Middleburg (Main Street) Public Boat Rampabout 2 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 2 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 8 mi · 10000 Omni Dr, 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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 6:48 AM, sunset 5:34 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,576/yr
Estimated taxes if purchased at asking price: ~$12,900/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
- Nov 2, 2026Listed$700,000
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 $212/sq ft; this home is listed at $214/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2175 Ginhouse Drive, Middleburg, FL 32068Listed by MOMENTUM REALTY | Jun 2026 | $500,000 | $210 | 3/2.5 | 2,381 | 36 | 0.7 |
| 40 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Sep 2026 | $490,000 | $212 | 4/3 | 2,315 | 1 | 0.9 |
| 215 Foxtail Avenue, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $515,000 | $212 | 3/2 | 2,428 | 2 | 1.1 |
| 20 Yucca Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jul 2026 | $490,000 | $212 | 4/3 | 2,315 | 25 | 1.2 |
| 2087 Harvard Street, Middleburg, FL 32068Listed by KELLER WILLIAMS JACKSONVILLE | Apr 2026 | $370,000 | $151 | 4/2 | 2,448 | 153 | 1.4 |
| 4265 Angora Street, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $595,000 | $200 | 5/3 | 2,976 | 68 | 1.5 |
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: WATSON REALTY CORP
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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