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Pending

Pending·80 days on market

3916 Cloverdale Court

Middleburg, FL 32068

$369,000$182/sqftEst. $1,881/moMLS# 2116836

Beds

Baths

2,028

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

You need to see this stunning 4-bedroom, 3 bath home with an open and inviting floor plan. Built in 2022 and shows like new condition with lots of upgrades. Beautiful kitchen with quartz countertops, farmhouse sink, and plenty of cabinet space. Elegant built-in wall unit adds warmth and sophistication to the room with decorative molding and generous shelving. The adjoining dining and living area flow seamlessly into a screened lanai and serene backyard overlooking a pond. Create your own private oasis right in your backyard. The primary suite is complete with double vanity, quartz countertop and two custom built walk in closets. Community perks include a resort-style pool, pickleball courts, gym, and playground, with premier shopping, dining, and golf just moments away. Schedule your private tour today! CDD IS INCLUDED IN THE PROPERTY TAXES!

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,881

Principal & Interest: $1,881

Property taxes (est.): $566

Insurance (est.): $246

Estimated Total Monthly

$2,693

*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$1,881

Property taxesest. at asking price, Clay County$565

HOAbilled annually$10

Estimated total, before insurance$2,457/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,782/yr · $649/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: $365,900 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$327,629	$276,907	—
2024	$327,598	$276,076	—
2023	$335,255	$266,579	—
2022	$50,000	$50,000	—
2021	$12,000	$12,000	—

2024 property taxes (current owner): $7,782/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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: ~1,761 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

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.

Features

Price$369,000

Price / Sq Ft$182

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,028

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address3916 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 Number18042500795305718

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Park, Playground, Spa/Hot Tub

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecurityFire Alarm