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Active

Active·93 days on market

4467 Song Sparrow Drive

Middleburg, FL 32068

$575,000$141/sqftEst. $2,932/moMLS# 2141663

Beds

Baths

4,071

Sq Ft

2013

Built

Garage

Pool

About this home

Middleburg

Welcome to a home that truly stands apart in the sought-after Two Creeks community. Originally crafted as a model home, this 5 bedroom, 4 bathroom residence was designed to impress from the start, blending elevated finishes with everyday functionality across more than 4,000 square feet of thoughtfully curated living space. From the moment you step inside, the details set the tone. A coffered ceiling adds character to the formal dining room, while the main living area invites you in with an ornamental fireplace and plenty of room to gather. Just off the main space, a separate sitting room offers flexibility for entertaining, relaxing, or creating a space that fits your lifestyle.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,196

*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$2,932

Property taxesest. at asking price, Clay County$881

HOAbilled annually$7

Estimated total, before insurance$3,820/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,777/yr · $898/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	$548,650	$493,596	—
2024	$539,655	$478,978	—
2023	$549,891	$463,571	—
2022	$503,234	$448,613	—
2021	$379,664	$379,664	—
2020	$349,270	$349,270	—

2025 property taxes (current owner): $10,777/yr

Estimated taxes if purchased at asking price: ~$10,600/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 2013)

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: ~1,767 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

Apr 23, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$141

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage4,071

Acres0.18 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address4467 Song Sparrow Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionTwo Creeks

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,840.8 sq ft

Parcel Number24042400557400192

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LaundryIn Unit, Upper Level