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Pending

Pending·118 days on market

5012 Laurel Street

Middleburg, FL 32068

$680,000$303/sqftEst. $3,619/moMLS# 2135648

Beds

Baths

2,245

Sq Ft

2024

Built

Garage

Pool

About this home

Middleburg

Tranquil, private oasis built in 2024! Drive through the gated front to this custom home that sits on a partially cleared 5-acre lot with no visible neighbors. Designed with an open floor plan and abundant natural light, the home features 4 bedrooms and 3 baths with modern finishes throughout. The spacious primary suite includes a well-appointed bath with dual vanities, step in shower, and two walk-in closets. Bedroom 4 is a full suite including a private bath. Kitchen and living areas showcase quartz counters and durable LVP flooring throughout combining style and functionality. Additional highlights include an oversized attached 2-car garage and generous covered back porch, perfect for relaxing or entertaining while enjoying the peaceful surroundings. A massive 30x72 pole barn offers endless possibilities for storage and hobbies. Blending modern design with serene, private acreage, this property is a rare find. Take advantage of NO property taxes for the remainder of 2026!

Cost to own

Mortgage calculator

Home Price

$680,000

Down Payment: 20%

$136,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,435

Principal & Interest: $3,435

Est. Taxes & Insurance: $859

Estimated Total Monthly

$4,294

*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$3,619

Property taxesest. at asking price, Clay County$1,042

Estimated total, before insurance$4,661/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: $480,000 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$552,448	$0	—
2024	$94,264	$94,264	—
2023	$86,280	$86,280	—
2022	$72,530	$55,676	—
2021	$50,615	$50,615	—
2020	$50,000	$50,000	—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$12,500/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 2024)

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

Solar potential: ~1,368 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.