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Active

Active·199 days on market

187 Sorrel Street

Middleburg, FL 32068

$540,000$264/sqftEst. $2,776/moMLS# 2129534

Beds

Baths

2,046

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Middleburg

Welcome home to this two-story 4 bedroom, 3 bathroom home with 9' ceilings, located on 1.25 acres in Clay County with NO HOA. Enjoy outdoor living with a covered back porch and above-ground pool with deck, perfect for entertaining. Clay County is a Top 10 school district in Florida. Major updates include a roof (2022), water heater (2025), and two AC units (2025), along with new flooring throughout, new carpet, fresh interior and exterior paint, updated lighting, new crown molding and trim, and a new washer and dryer. The home features a wood-burning fireplace, gas stove, and custom built-in coffee bar. A guest bedroom downstairs next to a full bath is ideal for elder guests, with its own private exterior access. A large walk-in room offers flexibility as a small home office, playroom, or storage space. The 36x60 pole barn is wired for 220V, use as a workshop, or parking boats or a camper, plus an additional 20x12 shed. Enjoy peaceful country living just minutes from town!

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,776

Principal & Interest: $2,776

Property taxes (est.): $828

Insurance (est.): $360

Estimated Total Monthly

$3,964

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,776

Property taxesest. at asking price, Clay County$828

Estimated total, before insurance$3,604/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,953/yr · $246/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	$349,528	$159,549	—
2024	$296,397	$106,831	—
2023	$286,356	$102,264	—
2022	$257,368	$97,330	—
2021	$218,015	$93,525	—
2020	$217,453	$91,544	—

2025 property taxes (current owner): $2,953/yr

Estimated taxes if purchased at asking price: ~$9,900/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.

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 — 2022 per the listing

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

Septic system (public record) · 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

Price & status history

Jul 21, 2026Price change$540,000−$9,990
Feb 10, 2026Listed$549,990

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

Features

Price$540,000

Price / Sq Ft$264

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,046

Total Structure Area2,638 sq ft

Acres1.25 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

# of Carport Spaces6

Has PoolYes

Pool FeaturesAbove Ground, Fenced

Is WaterfrontNo

Community Information

Address187 Sorrel Street, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionMetes & Bounds

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size54,450 sq ft

Parcel Number10052400597400101

Amenities

UtilitiesCable Available, Cable Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

Green / EnergyHVAC

ParkingAdditional Parking, Carport, Garage, RV Access/Parking

ViewPool

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, In-Law Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsMulti/Split, Two

LaundryElectric Dryer Hookup, In Unit, Washer Hookup