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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

$629,0003 bd · 3.5 ba · 2,885 sq ft

Active·4 days on market

2235 Strawberry Creek Lane

Middleburg, FL 32068

$629,000$218/sqftEst. $3,429/mo mortgageMLS# 2172513
3
Beds
3.5
Baths
2,885
Sq Ft
1997
Built
2
Garage
No
Pool
House in Zone AENo HOA3.16 acresWaterfrontSingle Family Residence2 stories

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 traditional Southern Brick home sits on over 3 acres overlooking a canal leading into deep water Black Creek and then the world. Step inside the front door to the sweeping grand staircase and soaring ceiling heights. Over 2800 sq. ft. and each bedroom enjoys additional large living and or storage areas. Hardwood floors, in the Foyer, Great Room, Den, and Dining Room. Solid surface countertops, double ovens and cooktop with large walk-in pantry in the kitchen open to the dining area. Covered front and back porches to enjoy the sweeping lawn and waterfront views. Separate room and bath with exterior access not included in sq. footage. This large homesite slopes down to the canal. Extensive circular driveway with plenty of room for boat or RV parking.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$3,429
Property taxesest. at asking price, Clay County$964
Estimated total, before insurance$4,393/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,502/yr · $375/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

$629,000
$125,800
Loan Term
Monthly Payment
$3,429
Principal & Interest: $3,429
Property taxes (est.): $964
Insurance (est.): $419
Estimated Total Monthly
$4,813
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

The house sits in FEMA Zone AE, a high-risk flood zone

Lenders require flood insurance for financed purchases here. Across the 3.5-acre lot: Zone AE 80% and Zone X (shaded, 0.2% chance) 20%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.

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 1997)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~705 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

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

YearMarket valueTaxable valueChange
2025$600,965$261,139—
2024$576,121$253,072—
2023$565,164$244,245—
2022$470,704$235,675—
2021$388,465$227,355—
2020$356,202$223,526—

2025 property taxes (current owner): $4,502/yr

Estimated taxes if purchased at asking price: ~$11,600/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

  • Nov 5, 2026Listed$629,000

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 $218/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2491 Jennings Farm Drive, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$531,990$1934/32,754791.1
32 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$465,000$2054/32,26471.1
40 Bitterroot Avenue, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$490,000$2124/32,31511.1
2238 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$419,340$1465/42,8741111.1
2248 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$590,000$2055/32,874641.1
2226 Palisade Point, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$437,990$1983/22,213101.1

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

Price$629,000
Price / Sq Ft$218
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,885
Acres3.16 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryMiddleburg, reported on 5 other Metes & Bounds listings
MiddleWilkinson, reported on 4 other Metes & Bounds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2235 Strawberry Creek Lane, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size137,649.6 sq ft
Parcel Number11052400605600900

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Circular Driveway, Garage, RV Access/Parking
ViewCanal, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Oven
HeatingCentral, Electric
CoolingCentral Air, Electric, Multi Units
FlooringCarpet, Wood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofMetal
ConstructionBrick
Other StructuresBarn(s)
Road FrontageCounty Road

Additional Information

Date ListedNovember 5, 2026
Days on Market4
Tax Amount$4,502.29
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT MAGNOLIA POINT 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.

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