$233,0003 bd · 2.5 ba · 1,707 sq ft
Active·201 days on market
2246 Windward Cay Lane
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Welcome to desirable Longbay Townhomes in Middleburg! Featuring the popular Lincoln floor plan, this move-in ready 3-bedroom, 2.5-bathroom townhome offers 1,707 sq. ft. of modern, low-maintenance living in the heart of Clay County. Designed for today's lifestyle, the expansive open-concept main level creates a seamless flow from the spacious living room right into a chef-inspired kitchen complete with quartz countertops, sleek cabinetry, and a large center island ideal for entertaining. Upstairs, retreat to a private primary suite boasting a generous walk-in closet and an en-suite bath, alongside well-proportioned guest bedrooms and convenient upper-level laundry. Enjoy effortless Florida living with no exterior maintenance worries, plus easy access to local parks, shopping, dining, and major commuter corridors including Blanding Boulevard and I-295. This exceptional Middleburg property combines style, comfort, and ultimate convenience. Schedule your private showing today!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,397 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 9 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 1 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 8 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $215,848 | $215,848 | — |
| 2024 | $40,000 | $40,000 | — |
| 2023 | $25,000 | $25,000 | — |
2025 property taxes (current owner): $3,650/yr
Estimated taxes if purchased at asking price: ~$4,300/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.
History
Price & status history
- Nov 7, 2026Price change$233,000−$4,000
- Oct 30, 2026Price change$237,000−$5,000
- Oct 15, 2026Price change$242,000−$5,000
- Sep 18, 2026Price change$247,000−$5,000
- Apr 22, 2026Listed$252,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $164/sq ft; this home is listed at $136/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2252 Windward Cay Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $250,000 | $143 | 3/2.5 | 1,752 | 139 | 0 |
| 3898 Green View Terrace, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jun 2026 | $265,000 | $153 | 3/2 | 1,736 | 35 | 1.8 |
| 1865 Jennings Way, Middleburg, FL 32068Listed by ASHTON WOODS FLORIDA REALTY LLC | Oct 2026 | $240,490 | $171 | 3/2.5 | 1,403 | 104 | 2.1 |
| 1870 Jennings Way, Middleburg, FL 32068Listed by ASHTON WOODS FLORIDA REALTY LLC | Aug 2026 | $229,990 | $164 | 3/2.5 | 1,404 | 3 | 2.1 |
| 1874 Jennings Way, Middleburg, FL 32068Listed by ASHTON WOODS FLORIDA REALTY LLC | Aug 2026 | $229,990 | $164 | 3/2.5 | 1,404 | 2 | 2.1 |
| 3827 Baxley Villas Court, Middleburg, FL 32068Listed by DREES REALTY | Jul 2026 | $285,000 | $178 | 3/2.5 | 1,604 | 2 | 2.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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