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Active Under Contract

Active Under Contract·114 days on market

1233 Orchard Oriole Place

Middleburg, FL 32068

$575,000$158/sqftEst. $2,932/moMLS# 2137892

Beds

Baths

3,636

Sq Ft

2015

Built

Garage

Pool

About this home

Middleburg

Space, privacy, and resort-style amenities come together in this 3,636-square-foot home tucked inside the gated Preserve at Two Creeks. With 4 bedrooms, a versatile upstairs bonus room, and a 3-car garage on a quarter-acre lot, there's room here to spread out -- and a neighborhood (pool, clubhouse, fitness center, tennis courts, walking trails) that makes weekends feel like a retreat. Step inside to a main level built for both everyday living and entertaining. The living area centers on an electric fireplace framed by a custom shiplap accent wall with built-in shelving -- the kind of space that makes movie nights and holiday gatherings feel effortless. The kitchen anchors it all: a flat-top range, double ovens, stainless steel appliances, rich cherry cabinetry, granite counters, a walk-in pantry, and an eat-in nook overlooking the backyard -- plenty of room to cook, gather, and linger over coffee. The primary suite is a true retreat, with a tray ceiling, oversized walk-in closet, and

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,196

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,932

Property taxesest. at asking price, Clay County$881

HOAbilled quarterly$53

Estimated total, before insurance$3,866/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	$537,446	$326,744	—
2024	$518,884	$316,688	—
2023	$507,266	$305,863	—
2022	$453,781	$295,353	—
2021	$371,039	$285,149	—
2020	$340,822	$278,479	—

Estimated taxes if purchased at asking price: ~$10,600/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 — year not disclosed (home built 2015)

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

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: ~1,763 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 24, 2026Active Under Contract$575,000
Apr 1, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$158

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,636

Acres0.27 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address1233 Orchard Oriole Place, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionTwo Creeks

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size11,761.2 sq ft

Parcel Number24042400557400426

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Sink, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)