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Active

Active·84 days on market

4555 Tarragon Avenue

Middleburg, FL 32068

$569,999$261/sqftEst. $3,034/moMLS# 2141284

Beds

Baths

2,183

Sq Ft

2007

Built

Garage

Pool

About this home

Middleburg

Custom built and well loved home with abundant wildlife that abuts Bull Creek! Open living concept, split bedroom plan and a large screen porch for enjoyment of admiring nature in your own serene back yard! The kitchen has solid surface counters, is equipped for gas or electric appliances and has a walk in pantry. For dining options there is an eat at counter, breakfast nook and formal dining room. Nine foot ceilings throughout with a double trey ceiling with crown molding in the living room and gas fireplace. Deluxe primary suite has a jetted tub, separate shower, double sink vanity, toilet room with bidet and large walk in closet. Additional features are an artesian well, oversized two car garage with utility sink, irrigation system, walk in attic for extra storage, potting shed with extra space for storage of yard tools. This home is a must see!

Cost to own

Mortgage calculator

Home Price

$569,999

Down Payment: 20%

$114,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,879

Principal & Interest: $2,879

Est. Taxes & Insurance: $720

Estimated Total Monthly

$3,599

*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$3,034

Property taxesest. at asking price, Clay County$873

Estimated total, before insurance$3,907/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	$432,922	$43,339	—
2024	$426,431	$41,411	—
2023	$402,450	$38,749	—
2022	$356,617	$36,165	—
2021	$267,688	$33,656	—
2020	$258,930	$32,501	—

2025 property taxes (current owner): $113/yr

Estimated taxes if purchased at asking price: ~$10,500/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 SPBC

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

Roof: Shingle — year not disclosed (home built 2007)

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: ~1,479 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

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