Active·98 days on market
978 Rooster Hollow Way
Middleburg, FL 32068
About this home
Middleburg
Perfectly situated on a large PREMIUM HOMESITE, this beautifully maintained 2 years home offers low-maintenance living with NO CDD fees and low HOA, offering peaceful surroundings yet minutes to everything! Situated on a .21-acre lot with tranquil natural pond, forest and plenty of birds views in the yard for privacy and relaxation. Fully fenced backyard perfect for entertaining, gardening, or play room for pets. The first floor was upgraded to add an in law suite 15 x 14 with direct access to full bathroom for guests or multigenerational living. A stunning Gourmet kitchen with a huge pantry. Spacious screened-in patio 30x15. Upstairs has the primary suite, three additional bedrooms, and spacious loft perfect for home office, playroom, or second living area ! Amazing location surrounded by an expansive and quickly growing offering of restaurants, coffee houses and hundreds of favorite stores. 3 minutes to the highway and 5 minutes to Publix and the giant Oakleaf Town Center with over
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $537,900 in July 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $549,493 | $498,771 | — |
| 2024 | $75,000 | $75,000 | — |
| 2023 | $12,000 | $12,000 | — |
2025 property taxes (current owner): $8,670/yr
Estimated taxes if purchased at asking price: ~$10,700/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: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,256 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 homeAs 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
- Jul 9, 2026Price change$579,900−$4,100
- May 1, 2026Listed$584,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DOGWOOD REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines