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Active Under Contract

Active Under Contract·42 days on market

2961 Beaver Avenue

Middleburg, FL 32068

$369,800$252/sqftEst. $1,968/moMLS# 2130259

Beds

Baths

1,469

Sq Ft

1986

Built

Garage

Pool

About this home

Middleburg

HANDS DOWN, BEST VALUE, GREAT Price IN MIDDLEBURG. Privacy and Solid No HOA, Look at these Updates: on 1.06 acres, fully fenced. Detached 28x30 Shop with electric. Start with the newly painted front door then these Additional updates within the last 2 years: Wood look tile flooring, Large 15x23 Open den with cozy electric/heat fireplace and the farmhouse mantel, great storage on the sides of the fireplace and so much natural light. This is open to large kitchen with sage green cabinets and new hardware to elevate the look and functionality. 2 Year old stainless appliances. MORE: New Electrical, New A/C and Water Softener in 2023. Updated baths Two wells; Artesian for the home and a shallow for yard. (Irrigation system sold as is). Three nice bedrooms and baths. A screened 14x20 patio overlooking smaller fenced area for your furry pets and then, the entire property is also fenced. Best of both worlds - Room for a pool for our Florida Days.

Cost to own

Mortgage calculator

Home Price

$369,800

Down Payment: 20%

$73,960

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,868

Principal & Interest: $1,868

Est. Taxes & Insurance: $467

Estimated Total Monthly

$2,335

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,968

Property taxesest. at asking price, Clay County$567

Estimated total, before insurance$2,535/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: $303,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$231,832	$157,965	—
2024	$224,495	$152,806	—
2023	$209,920	$170,260	—
2022	$184,469	$154,782	—
2021	$140,711	$140,711	—
2020	$136,941	$136,941	—

2025 property taxes (current owner): $2,929/yr

Estimated taxes if purchased at asking price: ~$6,800/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 1986)

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

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: ~1,599 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History