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Pending

Pending·59 days on market

2963 Backwoods Drive

Middleburg, FL 32068

$353,900$179/sqftEst. $1,884/moMLS# 2134248

Beds

Baths

1,978

Sq Ft

2016

Built

—

Garage

Pool

About this home

Middleburg

Escape the hustle and enjoy peaceful country living on 4.1 beautiful acres in Middleburg! This 4-bedroom, 2-bath double-wide home offers plenty of space inside and out, making it perfect for those looking for room to spread out and enjoy a little privacy. Step inside to find brand-new carpet and a comfortable floor plan with ample living space for family and guests. Outside, the property offers incredible potential with plenty of open land to make your own. For those looking to live a more self-sufficient lifestyle, the property includes a chicken coop and even features an additional artesian well already pre-dug, offering extra possibilities for irrigation, gardening, or future use. A covered carport provides convenient parking and protection from the elements. With over 4 acres of land, there's room for animals, gardening, outdoor activities, or simply enjoying the quiet surroundings while still being within reach of shopping, dining, and everyday conveniences

Cost to own

Mortgage calculator

Home Price

$353,900

Down Payment: 20%

$70,780

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,788

Principal & Interest: $1,788

Est. Taxes & Insurance: $447

Estimated Total Monthly

$2,235

*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$1,884

Property taxesest. at asking price, Clay County$542

Estimated total, before insurance$2,426/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

Year	Market value	Taxable value	Change
2025	$289,970	$48,900	—
2024	$206,850	$46,815	—
2023	$188,453	$43,996	—
2022	$141,229	$41,259	—
2021	$112,380	$38,601	—
2020	$99,144	$37,378	—

2025 property taxes (current owner): $1,265/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,655 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.