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Active

Active·99 days on market

4466 Santa Clara Avenue

Middleburg, FL 32068

$650,000$320/sqftEst. $3,460/moMLS# 2120416

Beds

Baths

2,030

Sq Ft

1994

Built

Garage

Yes

Pool

About this home

Middleburg

CERTIFIED APPRAISAL of $690,000!!! Absolutely stunning log cabin estate offering the perfect blend of rustic charm and modern convenience, tucked away on a high and dry 1 acre lot surrounded by mature trees and rolling landscapes with beautiful panoramic views. The craftsmanship throughout is truly exceptional, showcasing rich natural logs, soaring vaulted ceilings and timeless design. Step inside to an expansive open concept living space where a floor to ceiling stone fireplace creates warmth and character, while large windows fill the home with natural light. The open and inviting kitchen flows seamlessly into the main living area, making it perfect for everyday living and entertaining. The main floor offers two bedrooms and a full bath, while the primary suite, laundry and loft are located upstairs, complete with access to a deck overlooking the backyard.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,283

Principal & Interest: $3,283

Est. Taxes & Insurance: $821

Estimated Total Monthly

$4,104

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,460

Property taxesest. at asking price, Clay County$996

Estimated total, before insurance$4,456/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$380,597	$176,730	—
2024	$372,087	$171,042	—
2023	$355,682	$164,604	—
2022	$307,346	$158,354	—
2021	$226,022	$136,060	—
2020	$211,814	$81,940	—

2025 property taxes (current owner): $3,215/yr

Estimated taxes if purchased at asking price: ~$12,000/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: material not specified — year not disclosed (home built 1994)

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

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: ~1,338 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 7, 2026Listed$650,000

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

Features

Price$650,000

Price / Sq Ft$320

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,030

Acres1.04 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleLog

StatusActive

# of Garages2

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address4466 Santa Clara Avenue, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionMiddleburg

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size45,302.4 sq ft

Parcel Number35052400670000200

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingCarport, Circular Driveway, Covered, Detached, Detached Carport, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Freezer, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric, Wood Burning

# of Stories2

LaundryIn Unit, Upper Level