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Pending

Pending·103 days on market

1474 Lantern Light Trail

Middleburg, FL 32068

$360,000$146/sqftEst. $1,830/moMLS# 2139377

Beds

Baths

2,472

Sq Ft

2013

Built

Garage

Pool

About this home

Middleburg

Immaculate home located in the sought-after Pine Ridge community! A spacious covered front porch warmly welcomes you into this beautiful home, where the open floor plan creates an inviting atmosphere. The kitchen features double ovens, a 5-burner cooktop, 42'' cabinets, stainless steel appliances, and a large island - perfect for entertaining. The family room opens to a peaceful covered patio overlooking a serene preserve - ideal for relaxing. The downstairs owner's suite boasts a tray ceiling w/ crown molding, a soaking tub, walk-in shower, dual vanities & an oversized walk-in closet. Upstairs, you'll find a versatile loft, two generously sized bedrooms w/ a shared bath and a huge storage closet. Bring all your toys and take advantage of the spacious 3-car garage! The community offers top-notch amenities including a resort-style pool w/ water slide, splash park, playground and clubhouse!

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,830

Principal & Interest: $1,830

Property taxes (est.): $552

Insurance (est.): $240

Estimated Total Monthly

$2,622

*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$1,830

Property taxesest. at asking price, Clay County$552

HOAbilled annually$8

Estimated total, before insurance$2,389/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	$336,265	$336,265	—
2024	$349,692	$349,692	—
2023	$353,406	$181,923	—
2022	$307,198	$175,168	—
2021	$229,133	$168,610	—
2020	$221,410	$165,592	—

2025 property taxes (current owner): $8,019/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

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 2013)

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

Solar potential: ~1,797 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

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.

Features

Price$360,000

Price / Sq Ft$146

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,472

Acres0.16 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address1474 Lantern Light Trail, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,969.6 sq ft

Parcel Number30042500806901096

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Jogging Path, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)