Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·144 days on market

2349 Tigress Lane

Middleburg, FL 32068

$389,000$234/sqftEst. $2,010/moMLS# 2140015

Beds

Baths

1,661

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

Middleburg

SELLER FINANCING AVAILABLE! No Bank Approval Needed! Corner lot Screend in POOL Home in the heart of Middleburg with NO HOA and NO CDD! This meticulously maintained 3BR/2BA single-family home offers 1,661 sq ft of smart living space including a FLEX ROOM perfect for a game room, office, or playroom. The fully fenced backyard is a private oasis featuring a freshly refinished pool with a brand new pump -- ready for Florida summers. The eat-in kitchen flows into a separate dining room, and the garage includes an EV charging station. Desirable Clay County schools -- Swimming Pen Creek, Lake Asbury, and Fleming Island High. Close to shops, Naval Air Station Jacksonville, and major highways. No waiting on banks. No hassle. This is the home your family has been waiting for.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,010

Principal & Interest: $2,010

Property taxes (est.): $596

Insurance (est.): $259

Estimated Total Monthly

$2,866

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,010

Property taxesest. at asking price, Clay County$596

Estimated total, before insurance$2,606/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,093/yr · $341/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$285,027	$234,305	—
2024	$282,367	$113,522	—
2023	$281,664	$108,760	—
2022	$252,104	$104,136	—
2021	$186,393	$99,647	—
2020	$181,923	$97,581	—

2025 property taxes (current owner): $4,093/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1997)

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

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