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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

$349,9995 bd · 3 ba · 3,780 sq ft

Active·Listed today

2233 Indigo Avenue

Middleburg, FL 32068

$349,999$93/sqftEst. $1,908/mo mortgageMLS# 2172999
5
Beds
3
Baths
3,780
Sq Ft
1999
Built
—
Garage
No
Pool
FEMA Zone ANo HOA1.12 acresDuplex

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

Over 3,780 sq ft, 2 structures on 1.14 acres in Middleburg. **3/2 manufactured home (1,731 sq ft) split floorplan, fireplace, open great room/kitchen, pantry, walk-in closets. AND **2-story home business, guest house, mother-in-law suite, multi-family, ADU, workspace (2,050 sq ft). Separate addresses & electric, mini-split HVAC, full bath, appliance hookups. **6-ft privacy fence both properties. No HOA. No CDD. No water fees. Fiber internet. * Past rental incomes $3500 . ** Clay County where Jax, St. Aug, GNV are expanding. FDOT $1.9B First Coast Expressway I-10 to I-95 through Clay County by 2030; property values likely to continue increasing significantly. **Private financing available.

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$1,908
Property taxesest. at asking price, Clay County$536
Estimated total, before insurance$2,445/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,126/yr · $260/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

$349,999
$70,000
Loan Term
Monthly Payment
$1,908
Principal & Interest: $1,908
Property taxes (est.): $536
Insurance (est.): $233
Estimated Total Monthly
$2,678
*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.

Zone A — high-risk flood zone (Special Flood Hazard Area) (the whole 1.1-acre lot)

Lenders require flood insurance for financed purchases here.

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: Metal, Shingle — year not disclosed (home built 1999)

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

Solar potential: ~1,604 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.

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

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:49 AM, sunset 5:34 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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): $3,126/yr

Estimated taxes if purchased at asking price: ~$6,400/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 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 9, 2026Listed$349,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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$349,999
Price / Sq Ft$93
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,780
Acres1.12 acres
Year Built1999
TypeResidential Income
Sub-TypeDuplex
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

This listingNo schools reported in the MLS
ElementaryWilkinson, reported on 6 other Middleburg listings
MiddleWilkinson, reported on 10 other Middleburg listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2233 Indigo Avenue, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionMiddleburg
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size48,787.2 sq ft
Parcel Number16052400595478200

Amenities

UtilitiesCable Available, Electricity Connected, Other
SewerSeptic Tank
Water SourcePublic
ParkingOther, Guest, Off Street
ViewTrees/Woods

Interior

AppliancesDishwasher, Refrigerator, Other
HeatingCentral, Other
CoolingCentral Air, Other
FlooringCarpet, Concrete, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesOther
LevelsTwo

Exterior

Exterior FeaturesOther
Lot DescriptionOther
RoofMetal, Shingle
ConstructionOther, Vinyl Siding

Additional Information

Date ListedNovember 9, 2026
Days on Market0
Tax Amount$3,125.88
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
New ConstructionNo

Listing Courtesy of: LOWEST FEE REALTY 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.

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