1 / 32

Active

Active·317 days on market

3956 Cloverdale Court

Middleburg, FL 32068

$339,900$196/sqftEst. $1,733/moMLS# 2108386

Beds

Baths

1,735

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

Practically new construction with lots of upgrades! As you enter you will love the tile floors that flow through the main living areas. First find the flex room that would make a great dining room or office. Then flow to the beautifully upgraded kitchen with quartz counters, farm sink, and tons of cabinet & counter space. There's a breakfast bar for quick bites and a table space for more formal meals. The kitchen opens into the large family room. The Primary bedroom is a good size and the attached bathroom has dual sinks, soaking tub & separate shower. The guest bedrooms are split from the master and share the guest bathroom. Out back enjoy the afternoon from your screened lanai or get sun on the extended patio overlooking a fenced yard and peaceful pond. All this plus the great Greyhawk amenities including pool, playground, tennis court & fitness center! Don't miss this great home!

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,733

Principal & Interest: $1,733

Property taxes (est.): $521

Insurance (est.): $227

Estimated Total Monthly

$2,481

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,733

Property taxesest. at asking price, Clay County$521

HOAbilled annually$10

Estimated total, before insurance$2,264/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,094/yr · $591/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

Last sold: $373,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$295,208	$229,486	—
2024	$295,236	$230,236	—
2023	$301,988	$241,988	—
2022	$50,000	$50,000	—
2021	$12,000	$12,000	—

2024 property taxes (current owner): $7,094/yr

Estimated taxes if purchased at asking price: ~$6,300/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 (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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,682 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

Sep 11, 2025Listed$339,900

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

Features

Price$339,900

Price / Sq Ft$196

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,735

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address3956 Cloverdale Court, Middleburg, FL 32068

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionGreyhawk

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,405.2 sq ft

Parcel Number18042500795305725

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit