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Active

Active·42 days on market

2411 Halperns Way

Middleburg, FL 32068

$665,000$212/sqftEst. $3,419/moMLS# 2140654

Beds

Baths

3,130

Sq Ft

1980

Built

—

Garage

Pool

About this home

Middleburg

✨ Private 5th Bedroom Retreat with Income Potential ✨ waterfront living meets flexibility and comfort along the scenic banks of Black Creek. This property features a private 5th bedroom retreat with its own entrance, half bath, closet, and bonus space, ideal for a guest suite, home office, multi-generational living, or possible future Airbnb/rental opportunity. Enjoy direct water access with a private dock and rope swing, perfect for kayaking, fishing, canoeing, or relaxing in your own backyard oasis. Inside, the home offers bright living spaces, a functional layout, and a well-appointed kitchen with ample counter space and storage. where everyday living feels like a private waterfront retreat. Located in a desirable community along the scenic banks of Black Creek, this home offers a rare opportunity for peaceful, true waterfront living.

Cost to own

Mortgage calculator

Home Price

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,419

Principal & Interest: $3,419

Property taxes (est.): $1,019

Insurance (est.): $443

Estimated Total Monthly

$4,881

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,419

Property taxesest. at asking price, Clay County$1,019

Estimated total, before insurance$4,438/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,372/yr · $698/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

Last sold: $600,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$525,404	$525,404	—
2024	$548,600	$389,732	—
2023	$538,965	$376,925	—
2022	$446,745	$351,486	—
2021	$327,821	$327,821	—
2020	$282,057	$211,267	—

2025 property taxes (current owner): $8,372/yr

Estimated taxes if purchased at asking price: ~$12,200/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone SPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 1980)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,269 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Price & status history

Aug 5, 2026Price change$665,000+$15,001
Jul 17, 2026Active Under Contract$649,999
May 16, 2026Listed$649,999

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

Features

Price$665,000

Price / Sq Ft$212

Bedrooms5

Bathrooms3.00

Full Baths2

Half Baths2

Square Footage3,130

Acres3.23 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StyleMid-Century Modern

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address2411 Halperns Way, Middleburg, FL 32068

Area144-Middleburg-SE

SubdivisionBlack Creek Park

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size140,698.8 sq ft

Parcel Number23052400595571800

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached Carport

Waterfront TypeCreek

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s)

AppliancesDryer, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral

CoolingWall/Window Unit(s)

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsMulti/Split, Two

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup