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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$268,9903 bd · 2.5 ba · 1,482 sq ft

Active·17 days on market

3657 Luxor Way

Middleburg, FL 32068

$268,990$182/sqftEst. $1,467/mo mortgageMLS# 2138333
↓ $8,175 below original list
3
Beds
2.5
Baths
1,482
Sq Ft
2026
Built
1
Garage
No
Pool
FEMA Zone XHOA $150/mo4,792 sqft lotTownhouse2 storiesNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Water view townhome now available in Middleburg, FL at The District at Oakleaf! Each home includes spray foam insulation and a whole home clean air system for comfort and efficiency. Interiors offer Whirlpool stainless steel appliances, washer and dryer, blinds, quartz or granite countertops, and 42-inch upper cabinets. Smart home features include a front door camera, smart lock, and thermostat all easily controlled from your phone. Enjoy open floorplans with spacious kitchen islands and great rooms designed for everyday living. Community amenities coming soon--include resort-style cabana and pool, play area, and a dog park. Easy access to Oakleaf Town Center for shopping, dining, and entertainment. Quick drive to NAS Jax. No CDD fees.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,467
Property taxesest. at asking price, Clay County$412
HOAbilled monthly$150
Estimated total, before insurance$2,029/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$268,990
$53,798
Loan Term
Monthly Payment
$1,467
Principal & Interest: $1,467
Property taxes (est.): $412
Insurance (est.): $179
Estimated Total Monthly
$2,058
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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: Shingle — year not disclosed (home built 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Nov 4, 2026Price change$268,990−$1,000
  • Oct 23, 2026Price change$269,990−$5,000
  • Oct 4, 2026Withdrawn$274,990
  • Jul 31, 2026Price change$274,990−$2,175
  • Jul 27, 2026Price change$277,165+$2,175
  • Apr 3, 2026Listed$274,990

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $178/sq ft; this home is listed at $182/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3629 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$249,990$1783/2.51,406430
3746 Cairo Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$309,990$1713/2.51,813520
3786 Cairo Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTYAug 2026$293,000$1833/2.51,598100
3645 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTYAug 2026$255,000$1813/2.51,406320
3641 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTYAug 2026$244,990$1743/2.51,4061050
3633 Luxor Way, Middleburg, FL 32068Listed by MERITAGE HOMES OF FLORIDA REALTYJul 2026$263,990$1783/2.51,482410

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$268,990
Price / Sq Ft$182
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,482
Acres0.11 acres
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryTynes
MiddleOakleaf Jr High

Community Information

Address3657 Luxor Way, Middleburg, FL 32068
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionDistrict at Oakleaf Village
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size4,791.6 sq ft
Parcel Number17042500794701152

Amenities

AmenitiesDog Park, Park, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Walk-In Closet(s)
AppliancesDisposal, Electric Range, ENERGY STAR Qualified Dishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LaundryUpper Level

Exterior

FencingOther
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedOctober 23, 2026
Days on Market17
HOA Fees$150 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MERITAGE HOMES OF FLORIDA REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines