Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·179 days on market

2012 Teal Lane

Middleburg, FL 32068

$230,000$229/sqftEst. $1,186/moMLS# 2129505

Beds

Baths

1,006

Sq Ft

1972

Built

Garage

Pool

About this home

Middleburg

Discover this charming single family home, nestled amid 2.16 acres of cleared land. Offering privacy and tranquility, the property provides substantial space for outdoor recreation, gardening, or future expansion. The residence was built in 1972 and while the previous owners have made numerous updates along the way, (some of which are updated kitchen cabinets, a new metal roof in 2018, new windows in 2015) with a modest investment in maintenance and personal updates, the home can be elevated to meet your highest standards of comfort and style. The property includes various outbuildings, supporting hobbies, storage, or future projects, and serves as an excellent canvas for both leisure and productivity. Contact us to arrange a viewing and explore the full range of possibilities.

Cost to own

Mortgage calculator

Home Price

$230,000

Down Payment: 20%

$46,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,186

Principal & Interest: $1,186

Property taxes (est.): $353

Insurance (est.): $153

Estimated Total Monthly

$1,692

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,186

Property taxesest. at asking price, Clay County$352

Estimated total, before insurance$1,539/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$789/yr · $66/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

Year	Market value	Taxable value	Change
2025	$183,211	$20,000	—
2024	$158,587	$20,000	—
2023	$149,229	$20,000	—
2022	$128,536	$25,000	—
2021	$102,256	$25,000	—
2020	$102,637	$25,000	—

2025 property taxes (current owner): $789/yr

Estimated taxes if purchased at asking price: ~$4,200/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: Metal — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,706 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