FEMA Zone X — flood insurance generally not federally required
Built 2026
$220/sq ft — above the area median of $206
134 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$309,990
List price
As listed in the MLS
4 / 2
Bed / bath
Per the listing
1,410
Living area
Sq ft (approx.)
$220
Price / sq ft
List ÷ living area
The home
Year built2026
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
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~$3,038/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.
Listing description
About this home
Brand New Construction! This stunning 4 bedroom, 2 bath home is designed for modern living. The spacious kitchen features a large island, sleek white shaker cabinets, quartz countertops, and stainless steel appliances, perfect for cooking and entertaining. Beautiful LVP flooring ...
Description provided by REAL BROKER LLC and reproduced from the MLS; not independently verified.
No surprises at closing
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.
Estimated monthly payment
$2,001
Principal & interest$1,617
Property tax$253
Insurance$81
CDD assessment$0
HOA$50
PMI$0
Down payment $61,998 · Loan $247,992. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$3,038/yr
The seller likely pays less due to the homestead cap. At a $309,990 purchase, expect your first full-year Clay bill near $3,038 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$976/yr
Estimate for a 2026 build in Clay. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
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.
Market data · public records
Recent sales activity in Middleburg
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 Middleburg neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$272,500
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$206
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$220
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Middleburg
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.
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
Recent sold prices in this community
The Messtimate™
The Messtimate: $71,910 – $397,620
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.
$71,910the mess$397,620
A 453% 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: 134 days on market vs. a ~35-day neighborhood median
15 active listings competing in Middleburg
8 under contract now
35% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.53 (higher = faster-selling demand)
≈4.4 months of supply (under ~4 favors sellers, over ~6 favors buyers)
4 new-construction homes competing
41 closed here in the last 12 months
For reference, this home is listed at $309,990 ($220/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? 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: 1,410 sq ft × $51–$282/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
In the area
Recent Middleburg news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
Armstrong Plaza plan advances in Middleburg
A regional project update reported that Armstrong Plaza in Middleburg is moving ahead, with plans to turn an uncleared lot into a two story, roughly 10,000 square foot building. The proposed mix includes a cigar bar, a sit down restaurant and a drive thru liquor store.
Why it matters: The project could bring additional dining and retail space to Middleburg if it clears the remaining approvals, though timing was not stated.
Take 5 Oil Change eyes third Clay County site in Middleburg
Take 5 Oil Change is proposing a Middleburg location on the east side of Blanding Boulevard, just south of Old Jennings Road and about 1.5 miles north of the First Coast Expressway, which would be its third Clay County store. BGE is the civil engineer and COR3 Design is the architect. The Clay County Development Review Committee was scheduled to review the proposal in late June.
Why it matters: A new quick lube outparcel could add to commercial activity along Blanding Boulevard if it passes county review, but the plan was still early in the process.
Florida Credit Union plans its first Northeast Florida branch in Middleburg
Gainesville based Florida Credit Union is planning what would be its first Northeast Florida branch at Branan Field Road and Irvin Court off Blanding Boulevard in Middleburg. A development plan permit application lists a 5,600 square foot building with three drive-thru lanes, with CHW Professional Consultants as the civil engineer. County records show the credit union has owned the vacant parcel since 2013.
Why it matters: A new financial services building near Branan Field Road could add to commercial development in the Blanding Boulevard area, though the project remains at the permit application stage.
AutoZone proposed on County Road 220 in Middleburg
AutoZone Auto Parts is seeking to build a 6,815 square foot store at 2603 County Road 220 off Tara Farms Drive on a vacant Middleburg lot, which would be the chain's sixth location in Clay County. The plans are under county review, with the Development Review Committee set to discuss the project June 25 as an early step toward permitting. St. Louis based Casco Civil is listed as the civil engineer.
Why it matters: A new auto parts store along County Road 220 could broaden everyday retail options in Middleburg, though the project is at an early review stage and approval is not assured.
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.
Tynes Elementary SchoolPreK-6 · Clay County School District
Wilkinson Junior High School7-8 · Clay County School District
Middleburg High School9-12 · Clay County School District
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 Apr 2026
$260,000
3077 THUNDER Road, Middleburg
3 / 2 bd/ba · 1,344 sq ft · $193/sq ft
Courtesy of 3M REALTY GROUP LLC · View details →
Sold May 2026
$285,000
133 MCVICKERS Road, Middleburg
3 / 2 bd/ba · 1,488 sq ft · $192/sq ft
Courtesy of KELLER WILLIAMS REALTY AT THE LAKES · View details →
Sold May 2026
$425,900
4922 BARLEY Street, Middleburg
3 / 2 bd/ba · 1,511 sq ft · $282/sq ft
Courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · View details →
Sold Mar 2026
$80,000
2009 CATHERINE Lane, Middleburg
4 / 2.5 bd/ba · 1,560 sq ft · $51/sq ft
Courtesy of NETWORTH REALTY OF JACKSONVILLE, LLC · View details →
Sold Jun 2026
$395,000
2471 IRIS Street, Middleburg
3 / 2 bd/ba · 1,651 sq ft · $239/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Sold May 2026
$243,000
392 FOXTAIL Avenue, Middleburg
3 / 2 bd/ba · 1,104 sq ft · $220/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Median of the set: $206/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.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms2
Living area1,410 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2026
Age0 yrs
Listing
MLS #2132617
StatusActive
Days on market134
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Middleburg
Groceries, dining, and parks for this city — see the city guide.
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.
Transparency
Price & listing history
Listed for $309,990Momentum Realty · on market 134 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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 4355 LONGMIRE Road 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.
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Listing agent
Listed by
REAL BROKER LLC
Listing courtesy of REAL BROKER LLC. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
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.