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Pending

Pending·170 days on market

53 Lion Street

Middleburg, FL 32068

$275,000$222/sqftEst. $1,412/moMLS# 2133791

Beds

Baths

1,240

Sq Ft

1991

Built

Garage

Yes

Pool

About this home

Middleburg

Tucked away on 1.89 peaceful acres, this beautifully maintained 3-bedroom, 2-bath home offers the perfect blend of rural charm and thoughtful updates. With 1,240 square feet of comfortable living space, you'll love the privacy and wide-open feel while still enjoying modern upgrades throughout. The kitchen was fully updated in 2022 and features stylish granite countertops and newer appliances (2022), creating a bright and functional space perfect for everyday living and entertaining. Interior walls were freshly painted in 2022, giving the home a clean, refreshed feel. Major improvements include new windows (2021), a roof replaced in 2021, and an HVAC system updated in 2025 for added efficiency and peace of mind. The seller also added gutters for enhanced exterior maintenance. Step outside and enjoy your own backyard retreat with a 16-foot above-ground pool and a newly added vinyl fence enclosing the back yard, perfect for pets, play, or added privacy.

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,412

Principal & Interest: $1,412

Property taxes (est.): $421

Insurance (est.): $183

Estimated Total Monthly

$2,017

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,412

Property taxesest. at asking price, Clay County$421

Estimated total, before insurance$1,834/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,666/yr · $222/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

Last sold: $310,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$264,542	$164,220	—
2024	$255,732	$158,603	—
2023	$246,275	$152,236	—
2022	$174,382	$36,437	—
2021	$136,860	$33,760	—
2020	$122,942	$38,028	—

2025 property taxes (current owner): $2,666/yr

Estimated taxes if purchased at asking price: ~$5,100/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2021 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: ~1,623 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