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Active

Active·114 days on market

3559 Whisper Creek Boulevard

Middleburg, FL 32068

$330,000$225/sqftEst. $1,677/moMLS# 2137323

Beds

Baths

1,465

Sq Ft

2004

Built

Garage

Pool

About this home

Middleburg

NO CDD !!! CORNER Lot Home- Forget the stress of ''hidden costs''-- Every major system already updated, From the Newer roof (2022) to water heater (2023) to the reliable AC, the heavy lifting has been done for you. Nestled on a spacious corner lot, this home feels warm and cozy from the moment you step inside. The heart of the home is the open eat-in kitchen, where morning coffee at the breakfast bar flows naturally into evenings hosted in the family room. Retreat to a primary suite for relaxation, featuring a soaking tub, Dual Vanities and walk-in closet. With beautiful Engineered tile and Bamboo flooring areas throughout 90% of the home and a fully fenced backyard ready for play or pets, this isn't just a house--it's where your next chapter begins.

Cost to own

Mortgage calculator

Home Price

$330,000

Down Payment: 20%

$66,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,677

Principal & Interest: $1,677

Property taxes (est.): $506

Insurance (est.): $220

Estimated Total Monthly

$2,403

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,677

Property taxesest. at asking price, Clay County$506

HOAbilled annually$24

Estimated total, before insurance$2,207/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: $309,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$243,310	$192,588	—
2024	$226,807	$57,413	—
2023	$222,534	$54,139	—
2022	$203,529	$50,961	—
2021	$150,889	$47,875	—
2020	$141,475	$46,455	—

2025 property taxes (current owner): $3,457/yr

Estimated taxes if purchased at asking price: ~$6,100/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 — 2022 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: ~1,786 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

Jul 16, 2026Price change$330,000−$2,000
Jul 10, 2026Price change$332,000−$2,000
Mar 30, 2026Listed$334,000

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

Features

Price$330,000

Price / Sq Ft$225

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,465

Acres0.17 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryCoppergate

MiddleWilkinson

HighRidgeview

Community Information

Address3559 Whisper Creek Boulevard, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionWhisper Creek

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,405.2 sq ft

Parcel Number29042500806401269

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup