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Active Under Contract

Active Under Contract·76 days on market

4265 Angora Street

Middleburg, FL 32068

$595,000$200/sqftEst. $3,167/moMLS# 2142804

Beds

Baths

2,976

Sq Ft

1997

Built

—

Garage

Pool

About this home

Middleburg

Enjoy the best of both worlds--private country living on 2.4 acres with an easy 30-40 minute commute to NAS Jacksonville, making it an excellent option for military families seeking space, privacy, and convenience. This beautifully designed property blends modern finishes with the feel of being out in the country, yet right in the heart of Middleburg for everyday ease. Inside, an open-concept floor plan features vaulted ceilings and wood-look tile throughout the main areas. The kitchen stands out with French white cabinetry, granite countertops, and seamless flow into the living and dining spaces--perfect for entertaining. The home offers 4 bedrooms plus a dedicated office and a versatile flex room offering versatility for work, hobbies, or guests. Enjoy a grand double-door entry, cementitious wood siding with stone accents, and a durable metal roof. The property also includes a large covered patio, greenhouse, chicken coop, and storage building. No HOA. Park your boat or RV.

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,006

Principal & Interest: $3,006

Est. Taxes & Insurance: $751

Estimated Total Monthly

$3,757

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$3,167

Property taxesest. at asking price, Clay County$912

Estimated total, before insurance$4,079/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: $600,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$473,703	$298,928	—
2024	$467,114	$185,055	—
2023	$432,524	$178,209	—
2022	$379,742	$171,563	—
2021	$284,920	$165,110	—
2020	$276,058	$162,141	—

2025 property taxes (current owner): $5,079/yr

Estimated taxes if purchased at asking price: ~$10,900/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: Metal — year not disclosed (home built 1997)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,574 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History