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Active

Active·108 days on market

4207 Cherry Lake Lane

Middleburg, FL 32068

$425,000$170/sqftEst. $2,167/moMLS# 2140802

Beds

Baths

2,505

Sq Ft

2019

Built

Garage

Pool

About this home

Middleburg

****Price Reduced***Welcome to this beautifully maintained, like-new home located in the desirable gated community of Linda Lakes, featuring 4 bedrooms, 3 bathrooms, 2,505 square feet of thoughtfully designed living space, a spacious 2-car garage, and no CDD fees. This exceptional home features a functional three-way split floor plan, ideal for families or multi-generational living, including an upstairs bedroom with a private bath that makes the perfect in-law suite or guest retreat. Step inside to discover bright, open living spaces accented by soaring 10-foot ceilings, elegant tray ceilings in the living room and primary suite, updated fixtures, and numerous upgrades throughout the home. The spacious gathering room flows seamlessly into the large screened lanai, creating the perfect setting for both relaxing and entertaining year-round. Outside, the black aluminum fencing adds both style and privacy to the backyard space.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,102

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,167

Property taxesest. at asking price, Clay County$651

HOAbilled annually$138

Estimated total, before insurance$2,956/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,103/yr · $342/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	$417,213	$234,962	—
2024	$410,498	$227,633	—
2023	$411,957	$219,547	—
2022	$343,117	$211,697	—
2021	$301,977	$204,075	—
2020	$260,113	$200,568	—

2025 property taxes (current owner): $4,103/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2019)

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

Solar potential: ~1,732 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

Price & status history

Jul 23, 2026Price change$425,000−$5,000
Apr 19, 2026Listed$430,000

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

Features

Price$425,000

Price / Sq Ft$170

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,505

Acres0.18 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTynes

MiddleWilkinson

HighMiddleburg

Community Information

Address4207 Cherry Lake Lane, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionLinda Lakes

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,840.8 sq ft

Parcel Number36042400592000314

ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Playground

UtilitiesCable Connected, Electricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

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

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup