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Single Family ResidenceResidential
$154,612$195 / 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

3965 MAIN ST

MIDDLEBURG, FL 32068
2
Beds
1
Baths
792 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$155K
$134K low$175K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$961 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$63,017 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$47,017
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$61,385
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$63,017

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.49
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
33
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.0.2 percent flood zone

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
Lot (acres)The size of the land the home sits on, from county records.0.48
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.None
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.Deck · 206 ft²Porch · 216 ft²

Transaction History(2)

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 · 0.1 mi
H
Middleburg High SchoolC+
High · Grades 9–12 · 1.7 mi
M
Lake Asbury Junior High SchoolB
Middle · Grades 7–8 · 4.0 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

3965 Main 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.

  • Among the least valuable homes in Middleburg 32068
  • Costs more per square foot than 68% of homes in Clay County
  • Smaller than 98% of homes in Middleburg 32068
  • Has a bigger lot than 68% 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
$197K$636K

This home is worth less than almost all 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$154,612
CheaperTypical $330,061Pricier

Cheaper than almost all homes nearby

Price per ft²$195
CheaperTypical $185Pricier

Pricier than 66% of homes nearby

Living area792 ft²
SmallerTypical 1,715 ft²Bigger

Bigger than 2% of homes nearby

Lot size0.48 ac
SmallerTypical 0.44 acBigger

Bigger than 50% of homes nearby

Year built1962
OlderTypical 2000Newer

Older than almost all homes nearby

How 3965 Main St ranks against every home in each area.
MeasureThis homeMiddleburg 32068Clay County
Estimated valuepricier than$154,612almost no homes2% of homes
Price per ft²pricier than$19566% of homes68% of homes
Living areabigger than792 ft²2% of homes2% of homes
Lot sizebigger than0.48 ac50% of homes68% of homes
Year builtnewer than1962almost no homes4% of homes

About 3965 Main St

How much is 3965 Main St, Middleburg, FL worth?

The TopHap Estimate for 3965 Main St, Middleburg, FL is $154,612 as of Aug 30, 2026. The likely range is $133,810 to $175,414. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3965 Main St, Middleburg, FL?

3965 Main St, Middleburg, FL has 2 bedrooms, 1 bathrooms, 792 square feet of living space and a 0.48-acre lot.

When was 3965 Main St, Middleburg, FL built?

3965 Main St, Middleburg, FL was built in 1962, making it 64 years old. The building has 1 story.

What schools serve 3965 Main St, Middleburg, FL?

3965 Main 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 3965 Main St, Middleburg, FL compare to other homes in Middleburg 32068?

Among the 22,404 homes in Middleburg 32068, it is worth more than almost none of them ($154,612 against a typical $330,061), its price per square foot is higher than 66% of them ($195 against a typical $185), it is bigger than 2% of them (792 ft² against a typical 1,715 ft²), its lot is bigger than 50% of them (0.48 ac against a typical 0.44 ac) and it is newer than almost none of them (1962 against a typical 2000). Measured against all of Clay County, it is worth more than 2% 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 3965 Main St, Middleburg, FL?

The 2025 property tax bill for 3965 Main St, Middleburg, FL was $961. The county assessed it at $63,017.

More homes on Main St

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More homes in Middleburg 32068

Assigned schools

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