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Active

Active·86 days on market

2258 Palisade Point

Middleburg, FL 32068

$759,990$231/sqftEst. $3,875/moMLS# 2142265

Beds

Baths

3,285

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Experience the best of waterfront living with this exceptional new construction opportunity in Jennings Farms on the banks of Black Creek. Offering incredible value for deep water access, this brand-new home includes a private dock perfect for boating, fishing, or simply enjoying the peaceful creekside setting. Thoughtfully designed, the home features 4bd/4ba +office and a spacious bonus room providing flexibility for both everyday living and entertaining. A 3-car garage adds convenience and ample storage. What truly sets this property apart is the opportunity to make it your own. With time to personalize finishes and design selections, you can tailor details to match your vision and lifestyle. Set within a growing community with attractive amenities, this is your chance to create a custom waterfront retreat without the wait or premium typically associated with new construction on navigable water. Build your dream home on Black Creek and enjoy the value of a new home on the water!

Cost to own

Mortgage calculator

Home Price

$759,990

Down Payment: 20%

$151,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,875

Principal & Interest: $3,875

Property taxes (est.): $1,165

Insurance (est.): $507

Estimated Total Monthly

$5,546

*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$3,875

Property taxesest. at asking price, Clay County$1,165

HOAbilled monthly$110

Estimated total, before insurance$5,150/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,159/yr · $97/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	$76,000	$76,000	—
2024	$76,000	$76,000	—

2025 property taxes (current owner): $1,159/yr

Estimated taxes if purchased at asking price: ~$14,000/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 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,431 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

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