Single Family Residence in Villages Of Fireside, Middleburg · No CDD
Villages Of Fireside · Middleburg, FL 32068 · Clay
Listing data updated August 12, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
2,777Sq Ft
1997Year Built
$176Per Sq Ft
Private pool2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% below
$/sq ft vs community
$176 here vs $183 median sold (12 mo)
Buyer leverage
Seller-leaning
31 days on market
2.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~17 ft elevation
$2k–$4k/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 $490k tops 11 of the last 12 closed sales; also one of the largest homes here at 2,777 sq ft
Listed at $490,000 — recent neighborhood median sale price ~$396,000 (nearby sales; deemed reliable, not an appraisal)
31 days on market
HOA ~$50/mo (estimate; confirm)
Community built 1992–2004La Suegra Real Mexican Food · 1 min driveTanglewood Station · 1 min drivePoochie's Park · 1 min drive
Momentum Research · Villages Of Fireside
Pricing & the Villages Of Fireside market
How this home is priced against recent nearby sales, and where Villages Of Fireside 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 Villages Of Fireside
Each dot is a closed sale since 2001 (428 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 $176/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 45 (normal).
Property timeline
This home’s history
1997BuiltPer public record
Jul 2, 2026First trackedObserved at $490,000
NowUnder contractCurrently pending
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
$3,161/mo
Principal & interest $2,483/mo79%
Taxes $400/mo13%
Insurance $228/mo7%
HOA $50/mo2%
$3,161/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $2,450/yr ($204/mo)
+$4,175 more each year
(+170%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$215,137
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
59/100
Strongest on: Flood safety (95), Market liquidity (74)
0 limited50100 exceptional
59/100 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 area60
This home $176/sq ft vs the community 12-month median $183/sq ft.
Affordability10
List price $490,000 vs the community median $396,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~17 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1997 build. Obtain a property-specific quote.
Market liquidity74
Community median 25 days on market, ~2.6 months of supply (12-month record).
Renovation upside53
From a 1997 build and $176/sq ft vs the community median $183/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power67
Recent sales closed at about 94.5% of original asking (~5.5% below). More room below asking generally favors buyers.
Market timing55
Momentum Market Heat is 45/100 (normal). 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. 2.6 months of supply in the surrounding market and 31 days on market for this home, against a 25-day area median.Days on market:this home 31Area median: 25 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 August 5, 2026.
🟡 Asking $176 per square foot, about 4% below the community’s $183 median. Villages Of Fireside’s 12-month median sold price per square foot is $183. Median sold price per square foot is down 10.1% year over year. Confidence: Medium · 14 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.
82% of homes in Villages Of Fireside are owner-occupied. An estimated 18% are non-owner-occupied, including 2% held in a company or trust and 4% 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), 134 homes matched. Community-level context.
Recent Villages Of Fireside sales closed near 94.5% of original asking. Cash paid for about 50% 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 August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Villages Of Fireside, no CDD assessment.
Updated August 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Located in the desirable gated community of Villages of Fireside, this beautifully maintained 3-bedroom, 2.5-bath home with a dedicated office offers 2,777 square feet of thoughtfully designed living space and exceptional outdoor living. Situated on a quiet cul-de-sac, this property combines privacy, comfort, and convenience with room to store your boat or RV behind double gates in the fully fenced backyard. Designed for Florida living, the screened fiberglass pool creates a private backyard retreat, while large awnings provide additional shade and comfort for year-round enjoyment.
A new storage shed, Rain Bird irrigation system, water softener, termite bond, and expanded driveway parking add to the home's functionality and value. The remodeled kitchen is the heart of the home, featuring 42-inch maple cabinetry, quartz countertops, a food preparation island, coffee bar, cabinet pull-outs, walk-in pantry, double sink, disposal, electric cooktop, oven/microwave combination, and a spacious dining area with French doors leading directly to the pool. The dedicated office showcases beautiful wood flooring, making it ideal for working from home.
A formal entry welcomes you into the home, where Brazilian wood flooring enhances the elegant living room. The spacious family room features a gas fireplace and provides the perfect gathering space for family and guests. The private owner's suite offers dual walk-in closets and a fully upgraded bath with double vanities, a soaking tub, and a separate walk-in shower.
Bedrooms two and three share an updated bathroom with double sinks, providing comfort and convenience for family and visitors. Major system upgrades offer peace of mind, including a 2013 roof with 30-year architectural shingles, a 2018 Lennox HVAC system with all new ductwork, Smart Thermostat technology, and a leased 120-gallon propane tank through AA Propane. With its gated community setting, resort-style pool, dedicated office, RV and boat storage capability, extensive updates, and prime cul-de-sac location, this move-in-ready home presents a rare opportunity in one of Middleburg's most sought-after neighborhoods.
Description provided by COLDWELL BANKER VANGUARD REALTY 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$490,000
Bed / bath3 / 2.5
Living area2,777 sq ft
Year built1997
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2152085
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~17 ft
Windstorm exposureLow
CountyClay
Area listings3 active · 2 under contract
Estimated first-year tax~$4,802/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$176
Estimated monthly payment$3,161
Insurance (illustrative)$2k–$4k/yr
Messtimate range$447,097 – $513,745
Comparable-sales median$396,000
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.
$447,097the mess$513,745
Actual list price: $490,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 15% 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: 31 days on market vs. a 25-day community median
3 active listings competing, 2 under contract
≈2.6 months of supply
14 closed here in the last 12 months
For reference, this home is listed at $490,000 ($176/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: 2,777 sq ft × $161–$185/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 12, 2026.
Keep looking
Similar homes for sale near Villages Of Fireside
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 $490,000Momentum Realty · on market 31 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$4,802/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)
$2k–$4k/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
~17 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability 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 Villages Of Fireside
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 Villages Of Fireside neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$396,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$183
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Villages Of Fireside
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 · Builder
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 14 miles southwest of Villages Of Fireside, elsewhere in Clay County.
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 11 miles southwest of Villages Of Fireside.
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
Why it matters: Added grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 8 miles southeast of Villages Of Fireside.
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
Why it matters: Investment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The site is about 8 miles southeast of Villages Of Fireside.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn-Dixie 2 min
Dining
La Suegra Real Mexican Food 1 min
Shopping
Tanglewood Station 1 min
Parks
Poochie's Park 1 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
Tynes Elementary SchoolPreK-6 · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Wilkinson Junior High School7-8 · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Middleburg High School9-12 · 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.
Courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · View details →
Sold Mar 2026
$412,500
2016 GLITTER Court, Middleburg
4 / 3 bd/ba · 2,322 sq ft · $178/sq ft
Courtesy of EAGLES WORLD REALTY, INC · View details →
Sold May 2026
$450,000
2415 MOON HARBOR Way, Middleburg
4 / 2 bd/ba · 2,303 sq ft · $195/sq ft
Courtesy of CHAD AND SANDY REAL ESTATE GROUP · View details →
Sold Jun 2026
$425,000
3343 CHIMNEY Drive, Middleburg
4 / 2 bd/ba · 2,300 sq ft · $185/sq ft
Courtesy of REDFIN CORPORATION · View details →
Community 12-month median: $183/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$2,246 – $3,267/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−$985 – −$66At 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: August 12, 2026)
Community market stats
realMLS closed sales, as of August 5, 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 3165 N STAR Court 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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.
