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Active

Active·189 days on market

1124 Persimmon Drive

Middleburg, FL 32068

$325,000$174/sqftEst. $1,652/moMLS# 2125144

Beds

Baths

1,867

Sq Ft

2019

Built

Garage

Pool

About this home

Middleburg

Welcome to the upgraded home you've been waiting for! Own complete luxury with this stunning 2019 former model home, where every detail was designed to impress. Forget the ''standard'' builder grade--this residence is loaded with premium upgrades, from sophisticated neutral flooring to designer lighting that glows against chic quartz countertops. The heart of the home features a chef-inspired kitchen with a pantry and top-tier appliances (all included!). Work from home in style in your dedicated home office off the entry, which has 4th bdrm potential. Then retreat to a primary suite that defines convenience w/dual separate walk-in closets. Love to host? The open-concept living area flows seamlessly onto a screened-in patio overlooking your private backyard--no rear neighbors means total tranquility for your morning coffee or evening cocktails. This home qualifies for USDA 100% financing (Zero Down!), making luxury living and home ownership more affordable than ever.

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,652

Principal & Interest: $1,652

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,367

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,652

Property taxesest. at asking price, Clay County$498

HOAbilled annually$7

Estimated total, before insurance$2,157/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

Last sold: $380,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$287,850	$287,850	—
2024	$298,839	$298,839	—
2023	$300,495	$300,495	—
2022	$256,396	$210,456	—
2021	$191,324	$191,324	—
2020	$183,731	$183,731	—

Estimated taxes if purchased at asking price: ~$6,000/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 2019)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,768 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

Jan 14, 2026Listed$325,000

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

Features

Price$325,000

Price / Sq Ft$174

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,867

Acres0.15 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address1124 Persimmon Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,534 sq ft

Parcel Number30042500806901291

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)