4835 Timothy Street

Middleburg, FL 32068

$142,000$95/sqftEst. $756/moMLS# 2142192

Beds

Baths

1,500

Sq Ft

2022

Built

—

Garage

Pool

About this home

Middleburg

Bank approved short sale. Home is being sold as is, Seller will make no repairs.

Cost to own

Mortgage calculator

Home Price

$142,000

Down Payment: 20%

$28,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$722

Principal & Interest: $722

Est. Taxes & Insurance: $180

Estimated Total Monthly

$902

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$756

Property taxesest. at asking price, Clay County$218

Estimated total, before insurance$973/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: $243,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$248,578	$248,578	—
2024	$234,496	$230,851	—
2023	$209,865	$209,865	—
2022	$46,557	$46,557	—
2021	$36,087	$36,087	—
2020	$33,987	$7,228	—

2025 property taxes (current owner): $4,149/yr

Estimated taxes if purchased at asking price: ~$2,600/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.