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Sold

Sold·Closed Apr 29, 2026·74 days on market

3555 Palomino Court

Middleburg, FL 32068

$263,990sold priceListed at $263,990 · 100% of asking$185/sqftMLS# 2127268
3
Beds
2.5
Baths
1,427
Sq Ft
2026
Built
1
Garage
No
Pool
HOA $125/moTownhouse2 storiesNew construction

About this home

Middleburg

READY NOW! Location, location, location! Walking distance to the new Clay Town Center, St. Vincent's Hospital, Pet Paradise, large retail stores and dining. We are only minutes from the First Coast Expressway making for an easy commute anywhere in or out of the area including easy access to the Oakleaf Town Center, Jacksonville International Airport, Naval Air Station Jacksonville, Cecil Field, Interstate 10, and Downtown Jacksonville. Our new floor plan, the Sage offers 1,427 square feet of thoughtfully designed living space with 3 bedrooms, 2.5 baths, and a 1-car garage which is perfect for comfortable, low-maintenance living. This open-concept floor plan is ideal for both everyday life and entertaining. The spacious kitchen features abundant counter space with quartz countertops and a bar that overlooks the gathering room, creating a seamless flow for hosting friends or enjoying family time. Sliding glass doors bring in an abundance of natural light.

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$1,462
Property taxesest. at asking price, Clay County$405
HOAbilled quarterly$125
Estimated total, before insurance$1,992/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

$263,990
$52,798
Loan Term
Monthly Payment
$1,462
Principal & Interest: $1,462
Property taxes (est.): $405
Insurance (est.): $176
Estimated Total Monthly
$2,043
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2026)

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

Solar potential: ~1,742 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$40,000$22,000—
2024$20,000$20,000▲ $10,000

Estimated taxes if purchased at asking price: ~$4,900/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 $189/sq ft; this home is listed at $185/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3539 Palomino Court, Middleburg, FL 32068Listed by D R HORTON REALTY INCSep 2026$282,990$1983/2.51,42720
3569 Palomino Court, Middleburg, FL 32068Listed by D R HORTON REALTY INCJun 2026$266,300$1873/2.51,4271270
3549 Palomino Court, Middleburg, FL 32068Listed by D R HORTON REALTY INCMay 2026$268,990$1893/2.51,427780
3559 Palomino Court, Middleburg, FL 32068Listed by D R HORTON REALTY INCApr 2026$264,990$1863/2.51,427750
1460 S Jeremiah Street, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYOct 2026$260,000$1773/2.51,4681090.1
3625 Prancer Point, Middleburg, FL 32068Listed by D R HORTON REALTY INCSep 2026$269,455$1893/2.51,4271020.1

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$263,990
Price / Sq Ft$185
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,427
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryCoppergate
MiddleWilkinson

Community Information

Address3555 Palomino Court, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionCorsair
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number32042500810201513

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Pantry, Smart Home, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric, Heat Pump
CoolingElectric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio
RoofShingle
ConstructionOther, Fiber Cement, Frame

Additional Information

Date ListedJanuary 28, 2026
Days on Market74
HOA Fees$376 / Quarterly
HOA FrequencyQuarterly
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: D R HORTON REALTY INC

Sold by: MY LOYALTY GROUP REALTY, LLC (buyer's brokerage)

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 Apr 29, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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