Single Family Residence in Coppergate, Middleburg · No CDD
Coppergate · Middleburg, FL 32068 · Clay
Listing data updated July 23, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
1,868Sq Ft
2004Year Built
$181Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$181 here vs $166 median sold (12 mo)
Buyer leverage
Strong seller market
3 days on market
0.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $339k tops 11 of the last 12 closed sales; also one of the largest homes here at 1,868 sq ft
Listed at $339,000 — recent neighborhood median sale price ~$269,950 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Community built 1988–2006ALDI · 4 min driveWaffle House · 4 min drive7 Brew Coffee · 4 min drive
Momentum Research · Coppergate
Pricing & the Coppergate market
How this home is priced against recent nearby sales, and where Coppergate 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.
Price vs. size in Coppergate
Each dot is a closed sale since 2001 (448 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $181/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 36 (cold).
Property timeline
This home’s history
2004BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$2,186/mo
Principal & interest $1,718/mo79%
Taxes $277/mo13%
Insurance $141/mo6%
HOA $50/mo2%
$2,186/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Buyer competition (78)
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 area27
This home $181/sq ft vs the community 12-month median $166/sq ft.
Affordability7
List price $339,000 vs the community median $269,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Market liquidity76
Community median 52 days on market, ~0.6 months of supply (12-month record).
Renovation upside24
From a 2004 build and $181/sq ft vs the community median $166/sq ft. Not a condition assessment.
Buyer competition78
22% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power58
Recent sales closed at about 96.3% of original asking (~3.7% below). More room below asking generally favors buyers.
Market timing64
Momentum Market Heat is 36/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 0.6 months of supply in the surrounding market and 3 days on market for this home, against a 52-day area median.Days on market:this home 3Area median: 52 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of July 15, 2026.
🟡 Asking $181 per square foot, about 9% above the community’s $166 median. Coppergate’s 12-month median sold price per square foot is $166. Median sold price per square foot is down 5.3% year over year. Confidence: High · 22 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.
62% of homes in Coppergate are owner-occupied. An estimated 38% are non-owner-occupied, including 0% held in a company or trust and 12% 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), 8 homes matched. Community-level context.
Recent Coppergate sales closed near 96.3% of original asking. Cash paid for about 22% of recent closings here.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 July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Coppergate, no CDD assessment.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Meticulously maintained and move-in ready, this beautifully updated 4-bedroom, 2-bath concrete block home offers the perfect blend of quality, comfort, and style. From the moment you arrive, you'll appreciate the pride of ownership, thoughtful upgrades, and attention to every detail. The inviting floor plan features stylish finishes, modern touches, and spacious living areas designed for everyday living and entertaining.
The 2-car garage provides ample storage, while the fully fenced backyard creates a private outdoor retreat complete with a charming gazebo and fire pit--ideal for relaxing evenings, family gatherings, or entertaining guests. This exceptional home is the total package, combining durability, functionality, and timeless appeal. Don't miss your opportunity to make it yours!
Description provided by EXIT INSPIRED REAL ESTATE and reproduced from the MLS; not independently verified.
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$339,000
Bed / bath4 / 2
Living area1,868 sq ft
Year built2004
Property typeSingle Family Residence
Garage2-car
MLS #2154263
Listing statusNew — 3 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyClay
Area listings1 active · 2 under contract
Estimated first-year tax~$3,322/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$181
Estimated monthly payment$2,186
Insurance (illustrative)$1k–$2k/yr
Messtimate range$291,408 – $311,956
Comparable-sales median$269,950
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
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. Even a tight range from comparable sales can’t price a specific home — here’s why.
$291,408the mess$311,956
Actual list price: $339,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 3 days on market vs. a 52-day community median
1 active listing competing, 2 under contract
≈0.6 months of supply
21 closed here in the last 12 months
For reference, this home is listed at $339,000 ($181/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 1,868 sq ft × $156–$167/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
Keep looking
Similar homes for sale near Coppergate
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.
Listed for $339,000Momentum Realty · on market 3 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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.
Property tax (first-year est.)
~$3,322/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Coppergate
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 Coppergate neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$269,950
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$166
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Coppergate
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 9 miles northwest of Coppergate.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 8 miles southeast of Coppergate.
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
Why it matters: A build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 9 miles northwest of Coppergate.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
ALDI 4 min
Dining
Waffle House 4 min
Shopping
Tanglewood Station 7 min
Parks
Poochie's Park 6 min
Assigned schools
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.
GRADEB
Coppergate Elementary SchoolPublic PreK-6, nearby · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Lake Asbury Junior High SchoolPublic 7-8; verify zoning · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Middleburg High SchoolPublic 9-12 · Clay County School District · Grade A (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$312,000
3204 CARLOTTA Road, Middleburg
3 / 2 bd/ba · 1,868 sq ft · $167/sq ft
Courtesy of CHAD AND SANDY REAL ESTATE GROUP · View details →
Sold Jan 2026
$291,000
3624 BRAEDEN Court, Middleburg
3 / 2 bd/ba · 1,865 sq ft · $156/sq ft
Courtesy of KELLER WILLIAMS FIRST COAST REALTY · View details →
Sold Jan 2026
$320,000
3718 ICENI Court, Middleburg
4 / 2 bd/ba · 1,878 sq ft · $170/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jun 2026
$263,000
1809 PENZANCE Parkway, Middleburg
3 / 2 bd/ba · 1,682 sq ft · $156/sq ft
Courtesy of EVERYSTATE INC · View details →
Sold Feb 2026
$265,000
1866 PENZANCE Parkway, Middleburg
3 / 2 bd/ba · 1,636 sq ft · $162/sq ft
Courtesy of GOLD KEY REALTY OF JAX, INC · View details →
Sold Feb 2026
$260,000
1813 PENZANCE Parkway, Middleburg
3 / 2 bd/ba · 1,555 sq ft · $167/sq ft
Courtesy of RE/MAX SPECIALISTS · View details →
Community 12-month median: $166/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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,554 – $2,260/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$680 – −$44At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Middleburg
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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
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.
Ready when you are
See 2916 STONEGATE Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
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.
