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Active

Active·331 days on market

2064 Louie Carter Road

Maxville, FL 32234

$1,199,000$518/sqftEst. $6,183/moMLS# 2108387

Beds

Baths

2,316

Sq Ft

2003

Built

Garage

Pool

About this home

Maxville

Very rare find in Clay County! This one-family-owned property offers a full brick and fully remodeled 2,316 sq ft custom home built by Cogdill Builders, perfectly situated on 30 acres of beautiful high and dry agricultural land with no wetlands or flood zone. Surrounded by over 80,000 acres of preserved property that will never be developed, this estate provides unmatched privacy and is a true sportsman's paradise with deer, turkey, rabbits, and squirrels roaming freely. The land is ideal for horses, cattle, or farming, making it a versatile investment for both recreation and agriculture. The home is built on a solid stem wall foundation and features 5 bedrooms (5th is an office/flex, non-conforming bedroom) and 2 full baths. Inside, soaring 12' ceilings in the living room, 10' in the kitchen, and 8' in the bedrooms create an open, airy feel.

Cost to own

Mortgage calculator

Home Price

$1,199,000

Down Payment: 20%

$239,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$6,183

Principal & Interest: $6,183

Property taxes (est.): $1,837

Insurance (est.): $799

Estimated Total Monthly

$8,820

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$6,183

Property taxesest. at asking price, Clay County$1,837

Estimated total, before insurance$8,021/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,958/yr · $163/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	$666,920	$99,843	—
2024	$636,649	$96,211	—
2023	$566,932	$92,248	—
2022	$487,213	$87,298	—
2021	$436,080	$82,386	—
2020	$434,316	$80,667	—

2024 property taxes (current owner): $1,958/yr

Estimated taxes if purchased at asking price: ~$22,000/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2003)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,712 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$1,199,000

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

Features

Price$1,199,000

Price / Sq Ft$518

Bedrooms5

Bathrooms2.00

Full Baths2

Square Footage2,316

Total Structure Area3,030 sq ft

Acres30.68 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryClay Hill

MiddleWilkinson

HighMiddleburg

Community Information

Address2064 Louie Carter Road, Maxville, FL 32234

Area145-middleburg-SW

SubdivisionClay Hill

CityMaxville

CountyClay

StateFL

Zip Code32234

Lot Size1,336,420.8 sq ft

Parcel Number10052300055400000

ZoningAgricultural

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Water Available, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingOther, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)