Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·302 days on market

6049 Taylor Road

Middleburg, FL 32068

$529,000$327/sqftEst. $2,728/moMLS# 2111294

Beds

Baths

1,618

Sq Ft

1981

Built

Garage

Pool

About this home

Middleburg

Motivated seller is offering $10k toward closing costs or rate buy down!!! Escape to a peaceful home on 4.55 acres with multiple upgrades. No HOA or CDD in Clay Hill/Middleburg! This well-maintained 3BR/2BA home offers flexibility and privacy. Major updates include new septic dosing tank and alarm (2026), HVAC (Feb 2026), roof (2019), water heater (2025), new windows, gutters, interior doors, locking wine cooler, and updated flooring. Enjoy a cozy wood-burning fireplace and kitchen with gas range. Pole barn has electricity!!! Outside features fenced acreage, pole barn, shed/doghouse with power, and a 53-ft conex container with power. Plenty of space for semi-truck parking, RVs, equipment, gardening, or livestock. Potential for additional structures or ADU (buyer to verify). Approx. 2 miles to US-301 and within walking distance to Clay Elementary. Owner is motivated to sell, so bring your best offer and come live the peaceful country life with modern amenities and space to spread out.

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Property taxes (est.): $811

Insurance (est.): $353

Estimated Total Monthly

$3,891

*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$2,728

Property taxesest. at asking price, Clay County$811

Estimated total, before insurance$3,539/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,373/yr · $281/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: $425,000 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$362,775	$196,703	—
2024	$334,977	$190,452	—
2023	$304,267	$210,280	—
2022	$219,546	$191,164	—
2021	$173,786	$173,786	—
2020	$164,531	$164,531	—

2024 property taxes (current owner): $3,373/yr

Estimated taxes if purchased at asking price: ~$9,700/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 — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · 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: ~1,414 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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