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Sold·Closed Dec 30, 2025·95 days on market

5041 Kalmia Street

Middleburg, FL 32068

$394,900sold priceListed at $394,900 · 100% of asking$215/sqftMLS# 2106179
4
Beds
2
Baths
1,835
Sq Ft
2025
Built
2
Garage
No
Pool
No HOA1.10 acresSingle Family Residence1 storyNew construction

About this home

Middleburg

BRAND NEW CONSTRUCTION! Welcome home to this spacious 4-bedroom, 2-bath property, in the heart of Middleburg. The home is situated on an oversized 1.10-acre lot and tucked away on a quiet street. Step inside to find an open, spacious floorpan. The chef's kitchen is complete with: quartz countertops, white shaker cabinets, a spacious island, breakfast bar, and built in storage. The owner suite is spacious, features a walk-in closet with built-in storage and a gorgeous en-suite bathroom with an oversized walk-in tile shower, jack-and-jill style vanity, and a walk in closet with built in shelving. The property features 3 additional large bedrooms, open living area, and in-unit laundry room with built in storage as well. There is durable, vinyl plank flooring throughout the interior.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,187
Property taxesest. at asking price, Clay County$605
Estimated total, before insurance$2,793/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$682/yr · $57/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$394,900
$78,980
Loan Term
Monthly Payment
$2,187
Principal & Interest: $2,187
Property taxes (est.): $605
Insurance (est.): $263
Estimated Total Monthly
$3,056
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

2024 property taxes (current owner): $682/yr

Estimated taxes if purchased at asking price: ~$7,300/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, NEFMLS.

History

Price & status history

  • Aug 28, 2025Listed$394,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $234/sq ft; this home is listed at $215/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2965 Guava Court, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATESep 2026$322,000$2343/21,37770.3
5147 Chicory Circle, Middleburg, FL 32068Listed by ONE REALTY CORPJun 2026$329,000$2183/21,512710.5
4824 Dale Court, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCSep 2026$450,000$1994/32,264730.6
4871 Gopher Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSJul 2026$575,000$2933/2.51,96110.9
4881 Chickpea Street, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJun 2026$373,000$2303/21,621261
2961 Beaver Avenue, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$362,500$2473/21,4691161.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$394,900
Price / Sq Ft$215
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,835
Acres1.10 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address5041 Kalmia Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionBlack Creek Park
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size47,916 sq ft
Parcel Number32052400669861100
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
Water SourceWell
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Rear Porch
Road SurfaceAsphalt, Paved

Additional Information

Date ListedAugust 28, 2025
Days on Market95
Tax Amount$681.77
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: REAL BROKER LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 30, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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