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Active Under Contract

Active Under Contract·14 days on market

5239 Peggy Lane

Middleburg, FL 32068

$399,000$193/sqftEst. $2,124/moMLS# 2130287

Beds

Baths

2,065

Sq Ft

1975

Built

Garage

Yes

Pool

About this home

Middleburg

Discover the value and potential of this private country property situated on a 1-acre lot with no HOA or CDD fees. This 3-bedroom, 2-bath brick home offers a flexible opportunity for buyers looking to personalize a property, create multi-generational living space, invest in acreage, or enjoy the freedom of rural living with room to grow. Inside, the home features an open floor plan, updated kitchen and bathrooms, and a spacious layout designed for comfortable everyday living. The screened, heated in-ground pool provides year-round outdoor enjoyment, while the outdoor space offers endless possibilities for gardening, hobbies, RV or boat storage, workshop additions, and more. Additional features include a whole-home generator, security system, and attached two-car garage. Located on a private road in a peaceful setting, this property combines privacy, functionality, and long-term potential.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,015

Principal & Interest: $2,015

Est. Taxes & Insurance: $504

Estimated Total Monthly

$2,519

*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$2,124

Property taxesest. at asking price, Clay County$611

Estimated total, before insurance$2,735/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: $390,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$321,206	$236,373	—
2024	$303,589	$228,863	—
2023	$275,596	$220,596	—
2022	$233,620	$233,620	—
2021	$191,959	$25,999	—
2020	$182,338	$25,336	—

2025 property taxes (current owner): $4,125/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

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 1975)

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: ~1,369 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

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

Price & status history

Jul 1, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$193

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,065

Total Structure Area3,004 sq ft

Acres0.95 acres

Year Built1975

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryWilkinson

MiddleWilkinson

HighMiddleburg

Community Information

Address5239 Peggy Lane, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionMetes & Bounds

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size41,382 sq ft

Lot Dimensions132 X 330

Parcel Number31042400564600100

ZoningResidential

Amenities

UtilitiesCable Connected, Propane

SewerSeptic Tank

Water SourceWell

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat

AppliancesConvection Oven, Dishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Laminate

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Garage

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)