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Active

Active·65 days on market

3920 Bloomfield Court

Middleburg, FL 32068

$338,500$197/sqftEst. $1,726/moMLS# 2143255

Beds

Baths

1,715

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

Well-maintained 3-bedroom, 2.5-bath home featuring a desirable open floor plan and split-bedroom layout. Offering 1,715 sq ft on a .15-acre lot, this home includes a screened back lanai--perfect for relaxing or entertaining--and beautiful tile flooring, carpet. A full Home Generac generator that takes care of the hole home. Gas stove and Tankless water heater. Freshly painted. Wooden blinds throu-out. Conveniently located in Middleburg near shopping, hospitals, and with easy access to the First Coast Expressway, making commuting a breeze. Enjoy a community loaded with amenities including a pool, fitness center, and basketball courts. Zoned for top-rated schools and just minutes from the beaches.

Cost to own

Mortgage calculator

Home Price

$338,500

Down Payment: 20%

$67,700

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,726

Principal & Interest: $1,726

Property taxes (est.): $519

Insurance (est.): $226

Estimated Total Monthly

$2,470

*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$1,726

Property taxesest. at asking price, Clay County$519

HOAbilled annually$10

Estimated total, before insurance$2,255/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,149/yr · $596/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

Last sold: $317,600 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$289,990	$239,268	—
2024	$289,957	$239,957	—
2023	$296,489	$296,489	—
2022	$50,000	$50,000	—
2021	$12,000	$12,000	—

2025 property taxes (current owner): $7,149/yr

Estimated taxes if purchased at asking price: ~$6,200/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 2022)

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

Solar potential: ~1,786 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

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

Price & status history

Jul 20, 2026Price change$338,500−$1,500
May 21, 2026Listed$340,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$338,500

Price / Sq Ft$197

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,715

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address3920 Bloomfield Court, Middleburg, FL 32068

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionGreyhawk

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,534 sq ft

Parcel Number18042500795305683

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Playground

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, On Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)