Single Family Residence in The Habitat, Middleburg
The Habitat · Middleburg, FL 32068 · Clay County
Listing data checked against the MLS November 12, 2026 at 12:32 PM ET · rechecked hourly
Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
Sold Jan 2026 · $217,000
2Bedrooms
2Bathrooms
1,072Sq Ft
1992Year Built
$202Per Sq Ft
FEMA Zone X
This home is sold. It closed on Jan 2026 for $217,000. This page is shown for reference and is no longer for sale.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
6% above
$/sq ft vs community
$202 here vs $191 median sold (12 mo)
Buyer leverage
Strong seller market
no active listings
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~26 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $217k is at or below all 12 recent closed sales
1838 QUEBEC Court in The Habitat, Middleburg is listed at $217,000 (1,072 sq ft, about $202 per sq ft). That sits within a few percent of The Habitat's median closed sale of $220,000 over the last 12 months (5 recorded sales). Listing facts: built in 1992, HOA dues of $19/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 1992 · 34 yrs
1,072 sq ft of living area
Listed at $217,000 — recent neighborhood median sale price ~$220,000 (nearby sales; deemed reliable, not an appraisal)
HOA $19/mo (per listing)
Listing description
About this home
No listing description is available for this property.
Listing descriptions are screened for fair-housing and accuracy compliance before display.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$166,400the mess$223,100
Strong local evidence — built from 4 comparable closed sales in The Habitat (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales; the Clay County 2025 tax roll just value ($168,115) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,820 recent closed sales we scored, the closed price landed inside the Messtimate range 64% of the time; median miss 9.0% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-12.
Last MLS close price: $217,000 ($202/sq ft) — the recorded sale is not an input to this range; the range is what the model reads from the market today.
A 34% spread on the same house — here is what a model can't see:
Condition & updates — a 1992 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $19/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
0 active listings competing
5 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4) + a local hedonic fit (60 sales) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 12, 2026.
How it stacks up
Comparable recent sales
4 closed sales in The Habitat, on the same side of the St. Johns River in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Mar 2026
$220,000
1854 QUEBEC Court, Middleburg
2 / 2 bd/ba · 1,072 sq ft · $205/sq ft
Courtesy of BYERS PROPERTIES, INC. · View details →
Sold Jul 2026
$230,000
1863 ONTARIO Court, Middleburg
3 / 2 bd/ba · 1,260 sq ft · $183/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Sep 2026
$195,000
1841 YUKON Court, Middleburg
3 / 2 bd/ba · 1,272 sq ft · $153/sq ft
Courtesy of MOMENTUM REALTY · View details →
Sold Apr 2026
$249,900
1845 YUKON Court, Middleburg
3 / 2 bd/ba · 1,308 sq ft · $191/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Median of these 4 sales: $220,000 ($191/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$217,000
Bed / bath2 / 2
Living area1,072 sq ft
Year built1992
Property typeSingle Family Residence
MLS #2118758
Listing statusSold · Jan 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~26 ft
CountyClay
Area listings0 active · 0 under contract
Estimated first-year tax~$2,525/yr
CDD assessmentNone on record
HOA$19/mo
Calculated estimates
Price per sq ft$202
Estimated monthly payment$1,514
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$220,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,514/mo
Principal & interest $1,176/mo78%
Taxes $210/mo14%
Insurance $109/mo7%
HOA $19/mo1%
$1,514/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Clay County rate (15.05 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,125/yr ($94/mo) — taxable value $74,987 × 15.05 mills
$1,400 more each year
(+124%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$93,128
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$168,115
Market value
$125,709
Assessed
$74,987
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 1838 Quebec Court
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $1,125/yr (certified county roll, taxable value × millage). Buy at the asking price of $217,000 and the first-year bill resets to about $2,525/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.05 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$19/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1992. An original roof would be about 34 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $328/month (tax $210, HOA $19, insurance $99). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$19/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~26 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · The Habitat
Pricing & the The Habitat market
How this home is priced against recent nearby sales, and where The Habitat has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $202/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
1992BuiltPer public record
Jan 2026SoldClosed
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $217,000MOMENTUM REALTY
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Flood safety (95), Insurance cost (63)
0 limited50100 exceptional
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area36
This home $202/sq ft vs the community 12-month median $191/sq ft.
Affordability52
List price $217,000 vs the community median $220,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost63
From FEMA Zone X and a 1992 build. Obtain a property-specific quote.
Market liquidity49
Community median 64 days on market (12-month record).
Pricing power40
Recent sales closed at about 100.0% of original asking (~0.0% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $202 per square foot, about 6% above the community’s $191 median. The Habitat’s 12-month median sold price per square foot is $191. Median sold price per square foot is down 10.2% year over year. Confidence: Low · 5 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
46% of homes in The Habitat are owner-occupied. An estimated 54% are non-owner-occupied, including 19% held in a company or trust and 27% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 160 homes matched. Community-level context.
Recent The Habitat sales closed near 100.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending November 11, 2026. Aggregates only; deemed reliable but not guaranteed.
Checked against the MLS November 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Keep looking
Similar homes for sale near The Habitat
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Schools
Clay school district says one-mill referendum renews, not raises, property tax
The Clay County school district says the referendum on the upcoming ballot renews the one-mill levy voters first approved in 2020 at the same rate. The money funds school law enforcement contracts and compensation to retain and attract teachers and support staff. A citizens' advisory committee reviews spending, and the district says non-renewal would leave a funding shortfall.
Why it matters: The outcome sets school operating funding and staffing support for Clay County without changing the current millage rate. The site is about 8 miles south of The Habitat.
Grumpy's opens largest location yet on Fleming Island
Grumpy's opened at 1803 East-West Parkway in the former Dick's Wings and Grill space, with a Oct. 12 grand opening after benefit soft-opening dinners on Oct. 9 and 10. At 5,352 square feet it is the chain's largest of six Northeast Florida locations, seating up to 190. The owners plan a third restaurant.
Why it matters: A large breakfast-and-lunch restaurant filling a vacant East-West Parkway space adds a dining option on Fleming Island. The site is less than a mile southwest of The Habitat.
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
Why it matters: A four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 4 miles west of The Habitat.
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 7 miles southwest of The Habitat, elsewhere in Clay County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Clay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 1838 QUEBEC Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1992 (34 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $19/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,072 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,400 more per year than the current owner’s estimated bill (+124%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 12, 2026)
Comparable sales
realMLS closed sales in The Habitat, on the same side of the St. Johns River, last 18 months, as of November 11, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1838 QUEBEC Court and when was it built?
Per the listing record, 1838 QUEBEC Court was built in 1992 and has 1,072 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1838 QUEBEC Court in?
1838 QUEBEC Court is in The Habitat in Middleburg, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1838 QUEBEC Court have an HOA, and how much are the dues?
The listing reports HOA dues of $19 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1838 QUEBEC Court differ from the current owner's?
The estimate on this page (about $2,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,400 more per year than the current owner’s estimated bill (+124%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1838 QUEBEC Court in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1838 QUEBEC Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Kady Rose Andreoli, the listing agent, will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Momentum Realty
Request a tour or info
Tell us how to reach you and Kady Rose Andreoli, the listing agent, will follow up about 1838 QUEBEC Court.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
