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Active

Active·92 days on market

3804 Nature Walk Court

Middleburg, FL 32068

$237,300$115/sqftEst. $1,263/moMLS# 2140003

Beds

Baths

2,067

Sq Ft

2005

Built

Garage

Pool

About this home

Middleburg

AUCTION. This affordable ranch home features a spacious, open floor plan with 5 beds, 3 baths, living room with fireplace, dining area, den, large open kitchen with ample storage, and an attached 2 car garage. The home sits on a large lot with an attached patio in a cul-de sac, offering ample room to relax and entertain. Home is in close proximity to schools, shopping, and major roads. Some repairs will be needed to restore this gem. CAUTION water damage reported - MOLD may be present. Property is sold as-is with NO repairs, property disclosure or inspection reports.

Cost to own

Mortgage calculator

Home Price

$237,300

Down Payment: 20%

$47,460

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,199

Principal & Interest: $1,199

Est. Taxes & Insurance: $300

Estimated Total Monthly

$1,498

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,263

Property taxesest. at asking price, Clay County$364

HOAbilled monthly$93

Estimated total, before insurance$1,720/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	$314,997	$297,234	—
2024	$310,352	$270,213	—
2023	$300,037	$245,649	—
2022	$236,209	$223,318	—
2021	$203,017	$203,017	—
2020	$198,686	$198,686	—

2025 property taxes (current owner): $5,003/yr

Estimated taxes if purchased at asking price: ~$4,400/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: Shingle — 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: ~1,744 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History