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Pending

Pending·90 days on market

1078 Persimmon Drive

Middleburg, FL 32068

$329,900$181/sqftEst. $1,677/moMLS# 2141524

Beds

Baths

1,824

Sq Ft

2019

Built

Garage

Pool

About this home

Middleburg

Light, modern finishes and neutral tones flow throughout this beautifully maintained home. Just minutes from First Coast Expressway for easy commuting. Open-concept floor plan offers split bedrooms for privacy: two bedrooms & full bath up front, a private guest bedroom/office, & serene owners suite tucked with large walk-in closet, ensuite, and peaceful backyard views. The gourmet kitchen is a highlight with custom white cabinetry, quartz counters, & an adjacent dining area overlooking the spacious family room. Enjoy the screened lanai facing nature, a central vacuum system. VA-assumable loan. Key features: Open concept living Gourmet kitchen: quartz counters + custom cabinetry Screened lanai Central vacuum VA-assumable financing available Community amenities: Resort-style pool with slide, zero-entry area, and splash pad Clubhouse, fitness center, playground, basketball & pickleball courts Close to St. Vincents Hospital, top-rated schools, shopping, dining, & more.

Cost to own

Mortgage calculator

Home Price

$329,900

Down Payment: 20%

$65,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,677

Principal & Interest: $1,677

Property taxes (est.): $506

Insurance (est.): $220

Estimated Total Monthly

$2,402

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,677

Property taxesest. at asking price, Clay County$506

HOAbilled quarterly$11

Estimated total, before insurance$2,193/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

Last sold: $370,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$285,243	$285,243	—
2024	$296,112	$296,112	—
2023	$297,751	$141,034	—
2022	$253,848	$139,679	—
2021	$189,495	$133,995	—
2020	$181,984	$181,984	—

Estimated taxes if purchased at asking price: ~$6,100/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: material not specified — year not disclosed (home built 2019)

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: ~1,772 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 21, 2026Pending$329,900
Apr 23, 2026Listed$329,900

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

Features

Price$329,900

Price / Sq Ft$181

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,824

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1078 Persimmon Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number30042500806901302

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

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