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Active

Active·267 days on market

1847 Amberly Drive

Middleburg, FL 32068

$365,000$176/sqftEst. $1,861/moMLS# 2115828

Beds

Baths

2,075

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

PRICE IMPROVEMENT! SHORT SALE PENDING APPROVAL. Offered at $365,000, this newer 4-bedroom, 3-bath home with a 2-car garage in Greyhawk offers spacious living, modern finishes, and access to exceptional community amenities in a convenient location. Thoughtfully designed with a functional and open floor plan, this well-maintained home features generous living areas, a spacious kitchen that flows seamlessly into the main living space, and well-appointed bedrooms offering flexibility for a variety of uses. Built with modern comfort in mind, this property offers the benefits of newer construction without the wait. Located in the desirable Greyhawk community, residents enjoy access to amenities including a community pool, fitness center, playground, walking trails, and sports courts, along with convenient proximity to shopping, dining, schools, and major roadways. Short sale pending lender approval. Final sales price to be determined by the loan servicer. This property presents a unique

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,861

Principal & Interest: $1,861

Property taxes (est.): $559

Insurance (est.): $243

Estimated Total Monthly

$2,664

*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$1,861

Property taxesest. at asking price, Clay County$559

HOAbilled annually$10

Estimated total, before insurance$2,430/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,274/yr · $356/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: $417,900 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$334,437	$273,715	—
2024	$334,309	$274,309	—
2023	$342,029	$282,029	—
2022	$50,000	$50,000	—
2021	$50,000	$50,000	—
2020	$8,500	$8,500	—

2024 property taxes (current owner): $4,274/yr

Estimated taxes if purchased at asking price: ~$6,700/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 — year not disclosed (home built 2022)

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

Solar potential: ~1,644 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

Oct 31, 2025Listed$365,000

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

Features

Price$365,000

Price / Sq Ft$176

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,075

Total Structure Area2,782 sq ft

Acres0.19 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address1847 Amberly Drive, Middleburg, FL 32068

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionGreyhawk

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,276.4 sq ft

Parcel Number18042500795305534

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Water Heater

ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)