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Sold

Sold·Closed Jun 12, 2026·69 days on market

3668 Eagle Rock Road

Middleburg, FL 32068

$615,000sold priceListed at $680,000 · 90.4% of asking$231/sqftMLS# 2126549
4
Beds
2.5
Baths
2,664
Sq Ft
2022
Built
2
Garage
Yes
Pool
HOA $4/moSingle Family Residence2 stories

About this home

Middleburg

BRING US AN OFFER !! MOVE IN READY HOME with tons of Upgrades! SELLER WILL PROVIDE CLOSING COST UPTO 2.5% WITH AN ACCEPTABLE OFFER. This home delivers a Ufocused on luxury, low maintenance living The robust 400 amp. electrical system and pristine shark epoxy flooring in the garage to the resort like pool and gourmet outdoor kitchen with its own pizza oven backyard!!!! Every detail has been thoughtfully improved for today's lifestyle. This home is situated on a Cul de sac, fully fenced, with alarm system, water filter/softener. When you enter the home, you find an office/library downstairs and a spacious loft upstairs. Living room is great for entertaining. Home offers 4 bedrooms 2.5 bathrooms, mud room as you enter from garage. Upgraded insulation in garage area. Wine rack in kitchen cabinets, brand new refrigerator, decorative back splash. Quartz in kitchen area and a large island for entertaining. See document tab for upgrades.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,407
Property taxesest. at asking price, Clay County$942
HOAbilled annually$4
Estimated total, before insurance$4,353/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$615,000
$123,000
Loan Term
Monthly Payment
$3,407
Principal & Interest: $3,407
Property taxes (est.): $943
Insurance (est.): $410
Estimated Total Monthly
$4,759
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,447 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

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.

Cost to own

Taxes & assessment

Last sold: $469,600 in March 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$493,359$442,637—
2024$484,304$434,304—
2023$471,280$421,280—
2022$50,000$50,000—
2021$50,000$50,000—
2020$8,000$8,000—

Estimated taxes if purchased at asking price: ~$11,300/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $182/sq ft; this home is listed at $255/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
914 Oakland Hills Avenue, Middleburg, FL 32068Listed by WATSON REALTY CORPJul 2026$695,000$2114/33,290130.1
3916 Cloverdale Court, Middleburg, FL 32068Listed by 904 REALTY LLCAug 2026$369,000$1824/32,0282080.2
1477 Autumn Pines Drive, Orange Park, FL 32065Listed by REAL BROKER LLCAug 2026$385,000$1743/32,2131670.4
1452 Shadow Creek Drive, Orange Park, FL 32065Listed by MOMENTUM REALTYAug 2026$435,000$1703/2.52,561890.7
4588 Golf Brook Road, Orange Park, FL 32065Listed by EXP REALTY LLCOct 2026$375,300$1514/32,492930.8
1322 Warbler Way, Middleburg, FL 32068Listed by SHOE REALTY INCAug 2026$515,000$1844/3.52,806321.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$680,000
Price / Sq Ft$255
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,664
Total Structure Area2,664 sq ft
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Heated, Pool Sweep, Salt Water
Is WaterfrontNo

Community Information

Address3668 Eagle Rock Road, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionEagle Landing
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number18042500795306378

Amenities

UtilitiesCable Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar
AppliancesConvection Oven, Disposal, Electric Cooktop, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

RoofShingle

Additional Information

Date ListedApril 17, 2026
Days on Market69
HOA Fees$50 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 12, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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