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Active Under Contract

Active Under Contract·156 days on market

4949 Kalmia Street

Middleburg, FL 32068

$699,900$211/sqftEst. $3,598/moMLS# 2099330

Beds

Baths

3,324

Sq Ft

2011

Built

Garage

Pool

About this home

Middleburg

As Seen on Extreme Makeover: Home Edition! Luxury Acreage Living in Northeast Florida Discover a rare opportunity to own a nationally recognized home in Middleburg, Florida, part of the Greater Jacksonville area, one of the fastest growing luxury markets in the Southeast. Located just 30 minutes from downtown Jacksonville and 45 minutes to the Atlantic beaches, this 3,324 sq ft, 4 bedroom, 3 bathroom estate on 1.18 acres offers the perfect balance of privacy, design, and location. Designed with a Pacific Island inspired aesthetic, this property combines resort style tranquility with Florida practicality. The open air koi pond courtyard connects each living space with natural light and lush views. Inside, you'll find Bermuda shutters, diagonally laid bamboo floors, Thermador appliances, vaulted ceilings, and a chef's island kitchen that anchors the great room and dining space. The primary suite feels like a private spa retreat with a soaking tub, glass enclosed

Cost to own

Mortgage calculator

Home Price

$699,900

Down Payment: 20%

$139,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,598

Principal & Interest: $3,598

Property taxes (est.): $1,073

Insurance (est.): $467

Estimated Total Monthly

$5,137

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$3,598

Property taxesest. at asking price, Clay County$1,073

Estimated total, before insurance$4,671/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,044/yr · $337/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$778,827	$242,657	—
2024	$761,172	$235,111	—
2023	$732,685	$226,807	—
2022	$649,528	$218,745	—
2021	$490,868	$210,918	—
2020	$474,184	$207,316	—

2024 property taxes (current owner): $4,044/yr

Estimated taxes if purchased at asking price: ~$12,900/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle, Other — year not disclosed (home built 2011)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,721 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 3, 2026Active Under Contract$699,900
Mar 26, 2026Listed$699,900

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

Features

Price$699,900

Price / Sq Ft$211

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,324

Acres1.18 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Villa

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address4949 Kalmia Street, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionBlack Creek Park

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size51,400.8 sq ft

Parcel Number32052400669859900

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Circular Driveway, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer/Dryer Stacked, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup