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Single Family ResidenceResidential
$247,181$170 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $75,000 on Sep 2, 2003

2145 WHARF ST

MIDDLEBURG, FL 32068
3
Beds
1
Baths
1,456 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$247K
$214K low$280K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · Sep 2, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$451 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$195,660 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,487
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$173,173
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$62,147
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$195,660

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCLAY
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1979
Lot (acres)The size of the land the home sits on, from county records.0.34
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 168 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Middleburg Elementary SchoolA-
Elementary · Grades KG–6 · 0.3 mi
H
Middleburg High SchoolC+
High · Grades 9–12 · 1.5 mi
M
Lake Asbury Junior High SchoolB
Middle · Grades 7–8 · 3.8 mi

District: Clay County School District

Neighborhood · ZIP 32068These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.59,564
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.515 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,506
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,038
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2145 Wharf St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 87% of homes in Middleburg 32068
  • Costs less per square foot than 75% of homes in Middleburg 32068
  • Smaller than 73% of homes in Clay County
  • Among the oldest homes in Middleburg 32068

What homes are worth in Middleburg 32068

Each bar is how many homes fall in that price range. The marker is this home.

This home
$193K$659K

This home is worth more than 13% of homes in Middleburg 32068.

How it measures up in Middleburg 32068

The dot is this home. The mark in the middle is the typical home in Middleburg 32068.

Estimated value$247,181
CheaperTypical $329,964Pricier

Pricier than 13% of homes nearby

Price per ft²$170
CheaperTypical $185Pricier

Pricier than 25% of homes nearby

Living area1,456 ft²
SmallerTypical 1,718 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.34 ac
SmallerTypical 0.46 acBigger

Bigger than 47% of homes nearby

Year built1920
OlderTypical 2000Newer

Older than almost all homes nearby

How 2145 Wharf St ranks against every home in each area.
MeasureThis homeMiddleburg 32068Clay County
Estimated valuepricier than$247,18113% of homes18% of homes
Price per ft²pricier than$17025% of homes34% of homes
Living areabigger than1,456 ft²31% of homes27% of homes
Lot sizebigger than0.34 ac47% of homes61% of homes
Year builtnewer than1920almost no homesalmost no homes

About 2145 Wharf St

How much is 2145 Wharf St, Middleburg, FL worth?

The TopHap Estimate for 2145 Wharf St, Middleburg, FL is $247,181 as of Aug 30, 2026. The likely range is $214,422 to $279,940. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2145 Wharf St, Middleburg, FL last sell?

2145 Wharf St, Middleburg, FL last sold on Sep 2, 2003 for $75,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2145 Wharf St, Middleburg, FL?

2145 Wharf St, Middleburg, FL has 3 bedrooms, 1 bathrooms, 1,456 square feet of living space and a 0.34-acre lot.

When was 2145 Wharf St, Middleburg, FL built?

2145 Wharf St, Middleburg, FL was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 2145 Wharf St, Middleburg, FL?

2145 Wharf St, Middleburg, FL is assigned to Middleburg Elementary School (elementary), rated A-; Middleburg High School (high), rated C+; Lake Asbury Junior High School (middle), rated B. All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2145 Wharf St, Middleburg, FL compare to other homes in Middleburg 32068?

Among the 22,404 homes in Middleburg 32068, it is worth more than 13% of them ($247,181 against a typical $329,964), its price per square foot is higher than 25% of them ($170 against a typical $185), it is bigger than 31% of them (1,456 ft² against a typical 1,718 ft²), its lot is bigger than 47% of them (0.34 ac against a typical 0.46 ac) and it is newer than almost none of them (1920 against a typical 2000). Measured against all of Clay County, it is worth more than 18% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 2145 Wharf St, Middleburg, FL?

The 2024 property tax bill for 2145 Wharf St, Middleburg, FL was $451. The county assessed it at $195,660.

More homes on Wharf St

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