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Active

Active·139 days on market

2098 Hermitage Place

Middleburg, FL 32068

$378,000$250/sqftEst. $2,012/moMLS# 2132191

Beds

Baths

1,512

Sq Ft

2023

Built

Garage

Pool

About this home

Middleburg

Zero Down Payment Financing Available for Qualified Buyers (USDA Eligible). One Acre. NO HOA. Built in 2023. This is the combination buyers keep searching for -- newer construction with real land and flexible financing options. Built in 2023, this 3-bedroom home features an open-concept layout with granite countertops, stainless steel appliances, durable vinyl plank flooring, and a split-bedroom design built for everyday living. Step outside through French doors to a full acre of usable, unrestricted property. Park the RV. Bring the boat. Add chickens. Build a workshop or garden -- no HOA approvals, no parking restrictions, and no limits on how you use your land. With major systems still young and the AC recently serviced, buyers gain the peace of mind that comes with newer construction without the timeline or uncertainty of building from scratch. USDA eligibility, acreage, newer construction, and no HOA restrictions are a rare combination in one property.

Cost to own

Mortgage calculator

Home Price

$378,000

Down Payment: 20%

$75,600

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,909

Principal & Interest: $1,909

Est. Taxes & Insurance: $477

Estimated Total Monthly

$2,387

*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$2,012

Property taxesest. at asking price, Clay County$579

Estimated total, before insurance$2,591/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: $365,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$316,784	$200,390	—
2024	$294,532	$294,532	—
2023	$30,300	$30,300	—
2022	$25,250	$17,776	—
2021	$16,160	$16,160	—
2020	$16,160	$16,160	—

2025 property taxes (current owner): $3,701/yr

Estimated taxes if purchased at asking price: ~$7,000/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 2023)

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

Solar potential: ~1,593 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