2246 WINDWARD CAY Lane, Middleburg, FL 32068
- No CDD assessment on record
- FEMA Zone X — flood insurance generally not federally required
- Built 2024 · 2 yrs
- $148/sq ft — below the area median of $179
- 69 days on market
- HOA ~$50/mo (estimate; confirm)
The home
- Year built2024
- Per public record.
- Lot sizeSee record
- Approximate; verify with survey.
- Property typeTownhouse
- Per the listing.
Costs
- HOA$50/mo
- Disclosure — confirm exact dues and inclusions.
- CDD assessmentNone on record
- Estimate/disclosure — confirm the parcel's actual CDD with the county.
- Est. first-year tax~$2,470/yr
- Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
- FEMA flood zoneZone X
- From the FEMA flood map; verify the parcel.
- Ground elevation~20 ft
- Approximate parcel elevation (USGS).
- WindstormLow
- Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
About this home
Description provided by KELLER WILLIAMS ST JOHNS and reproduced from the MLS; not independently verified.
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Down payment $50,400 · Loan $201,600. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Recent sales activity in Longbay
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Longbay neighborhood guide for more.
Recent nearby closings in the data set.
Median closed price of the comparable set. Reference only.
Median $/sq ft of the comparable set. Reference only.
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Longbay
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.
Pricing & market trend in Longbay
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
The Messtimate: $244,101 – $367,005
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. That’s the whole point: look how wide it is.
A 50% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen, new roof, or dated interior can swing value six figures. Sq ft can't see it.
- The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
- Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
- Views & orientation — golf, water, or preserve views aren't in the square footage.
- Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
- Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
- Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
- Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
- School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 69 days on market vs. a ~69-day neighborhood median
- 5 active listings competing in Longbay
- 0% of for-sale inventory is already under contract (demand signal)
- pending-to-active ratio 0.0 (higher = faster-selling demand)
- ≈3.5 months of supply (under ~4 favors sellers, over ~6 favors buyers)
- 2 new-construction homes competing
- 17 closed here in the last 12 months
For reference, this home is listed at $252,000 ($148/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,707 sq ft × $143–$215/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
Assigned schools
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.
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Median of the set: $179/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Property details & features
Interior
- Bedrooms3
- Bathrooms2.5
- Living area1,707 sq ft
Exterior & lot
- Lot sizeSee record
- TypeTownhouse
Systems
- Year built2024
- Age2 yrs
Listing
- MLS #2141402
- StatusActive
- Days on market69
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Price & listing history
Building permits
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.
See 2246 WINDWARD CAY Lane in person
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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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.