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Single Family ResidenceResidential
$332,719$220 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $215,000 on May 30, 2019

4646 ROSEMARY ST

MIDDLEBURG, FL 32068
3
Beds
2
Baths
1,513 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.
1.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
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

$333K
$322K low$344K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$215,000 · May 30, 2019
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$81,473
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$65,178
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.76%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$211,105
CALIBER HM LOANS · recorded May 30, 2019
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$29,699
MIDLAND MORTGAGE
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$10,442

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,834 (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.$225,970 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$219,602
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$310,580

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.
31
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.
81
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
Lot (acres)The size of the land the home sits on, from county records.1.12
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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 · 579 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
Wilkinson Elementary SchoolC
Elementary · Grades KG–6 · 3.6 mi
M
Wilkinson Junior High SchoolB+
Middle · Grades 7–8 · 3.7 mi
H
Middleburg High SchoolC+
High · Grades 9–12 · 4.4 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

4646 Rosemary 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.

  • Costs more per square foot than 88% of homes in Middleburg 32068
  • Smaller than 70% of homes in Clay County
  • Has a bigger lot than 84% of homes in Clay County
  • Newer than 72% of homes in Clay County

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
$192K$663K

This home is worth more than 51% 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$332,719
CheaperTypical $330,241Pricier

Pricier than 51% of homes nearby

Price per ft²$220
CheaperTypical $186Pricier

Pricier than 88% of homes nearby

Living area1,513 ft²
SmallerTypical 1,718 ft²Bigger

Bigger than 35% of homes nearby

Lot size1.12 ac
SmallerTypical 0.44 acBigger

Bigger than 69% of homes nearby

Year built2005
OlderTypical 2000Newer

Newer than 69% of homes nearby

How 4646 Rosemary St ranks against every home in each area.
MeasureThis homeMiddleburg 32068Clay County
Estimated valuepricier than$332,71951% of homes48% of homes
Price per ft²pricier than$22088% of homes85% of homes
Living areabigger than1,513 ft²35% of homes30% of homes
Lot sizebigger than1.12 ac69% of homes84% of homes
Year builtnewer than200569% of homes72% of homes

About 4646 Rosemary St

How much is 4646 Rosemary St, Middleburg, FL worth?

The TopHap Estimate for 4646 Rosemary St, Middleburg, FL is $332,719 as of Jul 14, 2026. The likely range is $321,812 to $343,626. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4646 Rosemary St, Middleburg, FL last sell?

4646 Rosemary St, Middleburg, FL last sold on May 30, 2019 for $215,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 4646 Rosemary St, Middleburg, FL?

4646 Rosemary St, Middleburg, FL has 3 bedrooms, 2 bathrooms, 1,513 square feet of living space and a 1.12-acre lot.

When was 4646 Rosemary St, Middleburg, FL built?

4646 Rosemary St, Middleburg, FL was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 4646 Rosemary St, Middleburg, FL?

4646 Rosemary St, Middleburg, FL is assigned to Wilkinson Elementary School (elementary), rated C; Wilkinson Junior High School (middle), rated B+; Middleburg High School (high), rated C+. All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4646 Rosemary St, Middleburg, FL compare to other homes in Middleburg 32068?

Among the 22,420 homes in Middleburg 32068, it is worth more than 51% of them ($332,719 against a typical $330,241), its price per square foot is higher than 88% of them ($220 against a typical $186), it is bigger than 35% of them (1,513 ft² against a typical 1,718 ft²), its lot is bigger than 69% of them (1.12 ac against a typical 0.44 ac) and it is newer than 69% of them (2005 against a typical 2000). Measured against all of Clay County, it is worth more than 48% 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 4646 Rosemary St, Middleburg, FL?

The 2025 property tax bill for 4646 Rosemary St, Middleburg, FL was $2,834. The county assessed it at $225,970.

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Assigned schools

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