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Active

Active·163 days on market

1855 Moorings Circle

Middleburg, FL 32068

$715,000$188/sqftEst. $3,687/moMLS# 2132207

Beds

Baths

3,806

Sq Ft

2005

Built

Garage

Pool

About this home

Middleburg

The spacious primary suite is conveniently located on the first floor. This private retreat features two generous walk-in closets, an oversized walk-in shower, and stunning dual-sided marble vanities. A guest bedroom and full bath are also located downstairs, offering flexibility for visitors. The kitchen is complete with granite countertops, a stone backsplash, a walk-in pantry, and 2022 stainless steel refrigerator and microwave. Wood flooring flows throughout the entire first floor, with replaced carpet upstairs, complemented by plantation shutters throughout the home and tile in all bathrooms. Upstairs, you'll find additional well-sized bedrooms, including a charming fifth bedroom featuring a Romeo balcony with peaceful lake view. Updates including a 2021 roof, 2023 water heater, 2023 exterior paint, and 2026 interior paint touch-ups, 10x50 screened patio and new pavers, both completed in 2025. Additional features include a wide-set, deep 3-car garage, 2 attics & 2 AC units.

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,687

Principal & Interest: $3,687

Property taxes (est.): $1,096

Insurance (est.): $477

Estimated Total Monthly

$5,260

*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$3,687

Property taxesest. at asking price, Clay County$1,096

HOAbilled monthly$130

Estimated total, before insurance$4,913/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$661,226	$384,887	—
2024	$651,892	$373,333	—
2023	$635,229	$361,003	—
2022	$536,959	$349,033	—
2021	$415,909	$337,411	—
2020	$392,403	$332,063	—

Estimated taxes if purchased at asking price: ~$13,100/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2021 per the listing

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,742 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

Feb 26, 2026Listed$715,000

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

Features

Price$715,000

Price / Sq Ft$188

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,806

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementarySwimming Pen Creek

MiddleLakeside

HighFleming Island

Community Information

Address1855 Moorings Circle, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionParadise Moorings

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number36042500831100120

Amenities

AmenitiesBoat Slip, RV/Boat Storage

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Water Connected, Propane

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Central Vacuum, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

Window FeaturesSkylight(s)