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Active

Active·11 days on market

3604 Whisper Creek Boulevard

Middleburg, FL 32068

$520,900$132/sqftEst. $2,648/moMLS# 2139589

Beds

Baths

3,940

Sq Ft

2005

Built

Garage

Pool

About this home

Middleburg

Welcome to 3604 Whisper Creek--a beautifully updated home that combines modern style with everyday comfort. From the moment you step inside, you're greeted by soaring ceilings and an open, airy layout. The spacious floor plan effortlessly connects the living, dining, and kitchen areas, creating an ideal setting for both entertaining and daily living. The kitchen features tasteful upgrades, abundant cabinetry, and generous counter space -perfect for cooking, gathering, and making memories.The home features a first-floor bedroom and full bathroom, offering the perfect setup for guests, multigenerational living, or a private office space. This convenient main-level suite adds both comfort and functionality. Upstairs, the primary suite provides a peaceful retreat, while additional bedrooms offer even more versatility.Thoughtful updates throughout ensure a move-in-ready experience

Cost to own

Mortgage calculator

Home Price

$520,900

Down Payment: 20%

$104,180

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,648

Principal & Interest: $2,648

Property taxes (est.): $798

Insurance (est.): $347

Estimated Total Monthly

$3,793

*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$2,648

Property taxesest. at asking price, Clay County$798

HOAbilled annually$25

Estimated total, before insurance$3,471/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	$516,388	$284,778	—
2024	$508,324	$276,045	—
2023	$502,500	$266,549	—
2022	$463,588	$257,330	—
2021	$350,776	$248,379	—
2020	$329,766	$244,260	—

2025 property taxes (current owner): $4,863/yr

Estimated taxes if purchased at asking price: ~$9,600/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 2005)

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: ~1,774 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