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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$759,9904 bd · 4 ba · 3,285 sq ft

Active·2 days on market

2258 Palisade Point

Middleburg, FL 32068

$759,990$231/sqftEst. $4,143/mo mortgageMLS# 2142265
4
Beds
4
Baths
3,285
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $110/mo0.50 acresWaterfrontSingle Family Residence2 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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 has a dock permit approved & in hand for easy installation of a future dock without the red tape. 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 & design selections, you can tailor details to match your vision & 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$4,143
Property taxesest. at asking price, Clay County$1,165
HOAbilled monthly$110
Estimated total, before insurance$5,418/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$759,990
$151,998
Loan Term
Monthly Payment
$4,143
Principal & Interest: $4,143
Property taxes (est.): $1,165
Insurance (est.): $507
Estimated Total Monthly
$5,815
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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, 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.

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

YearMarket valueTaxable valueChange
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.

History

Price & status history

  • Nov 4, 2026Active$759,990
  • Oct 28, 2026Withdrawn$759,990
  • Apr 28, 2026Listed$759,990

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 $193/sq ft; this home is listed at $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2491 Jennings Farm Drive, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$531,990$1934/32,754790.1
2230 Palisade Point, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$501,990$2014/32,493380.1
2280 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCMay 2026$553,990$1694/43,285480.1
2238 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$419,340$1465/42,8741110.2
2248 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$590,000$2055/32,874640.2
2260 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCMay 2026$544,000$1895/42,8811260.2

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.

Features

Price$759,990
Price / Sq Ft$231
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,285
Acres0.50 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

This listingNo schools reported in the MLS
ElementaryMiddleburg, reported on 140 other Jennings Farm listings
MiddleLake Asbury, reported on 141 other Jennings Farm listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2258 Palisade Point, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionJennings Farm
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size21,780 sq ft
Parcel Number07052500907600454

Amenities

AmenitiesPool, Dog Park, Maintenance Grounds, Pickleball, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Off Street
ViewRiver, Trees/Woods, Water

Interior

AppliancesDishwasher, Disposal, Electric Range
HeatingCentral
CoolingCentral Air
# of Stories2

Exterior

Lot DescriptionCleared, Cul-De-Sac

Additional Information

Date ListedNovember 4, 2026
Days on Market2
HOA Fees$110 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInternet
Tax Amount$1,159.18
Tax Year2025
Listing TermsConventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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