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Active Under Contract

Active Under Contract·427 days on market

2995 Thunder Road

Middleburg, FL 32068

$2,499,000$1125/sqftEst. $13,301/moMLS# 2087573

Beds

Baths

2,222

Sq Ft

1990

Built

Garage

Yes

Pool

About this home

Middleburg

Discover Your Own Slice of Country Paradise! Welcome to this 59.81-acre gem nestled in the heart of Middleburg, FL., This expansive property offers the blend of agricultural opportunity and tranquil living, featuring an established blueberry farm, valuable timer acreage, and a spacious 3-story residence, includes 2 kitchens, all surrounded by natural beauty. Making it ideal for agricultural use, a private family retreat, or future development. The home offers plenty of ample space for family gatherings as well as has 2 private balconies to enjoy the scenery. Behind the home is a 2-car garage with ample space for all your storage needs. There also is a separate detached 4-car garage providing ample space for equipment, vehicles, or workshop needs. With plenty of open pasture, room for grazing, it's an ideal setting for raising cattle, horses or other livestock. Enjoy wide-open spaces, natural beauty and this unique property is ready to make your vision a reality!

Cost to own

Mortgage calculator

Home Price

$2,499,000

Down Payment: 20%

$499,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$12,623

Principal & Interest: $12,623

Est. Taxes & Insurance: $3,156

Estimated Total Monthly

$15,779

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$13,301

Property taxesest. at asking price, Clay County$3,830

Estimated total, before insurance$17,130/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$811,179	$297,194	—
2024	$807,904	$293,231	—
2023	$629,857	$277,584	—
2022	$588,289	$254,505	—
2021	$486,373	$232,577	—
2020	$480,427	$226,631	—

2024 property taxes (current owner): $4,761/yr

Estimated taxes if purchased at asking price: ~$46,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone SPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Metal — year not disclosed (home built 1990)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,696 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 14, 2025Listed$2,499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,499,000

Price / Sq Ft$1,125

Bedrooms3

Bathrooms3.00

Full Baths2

Half Baths2

Square Footage2,222

Total Structure Area4,268 sq ft

Acres59.81 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground

Is WaterfrontNo

School Information

ElementaryShadowlawn

MiddleLake Asbury

HighClay

Community Information

Address2995 Thunder Road, Middleburg, FL 32068

Area144-Middleburg-SE

SubdivisionMetes & Bounds

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size2,605,323.6 sq ft

Parcel Number25052400659500400

ZoningAgricultural

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Circular Driveway, Garage

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesElectric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories3

LevelsThree Or More

LaundryIn Garage, Lower Level, Washer Hookup