Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 4

Active

Active·88 days on market

1873 Jennings Way

Middleburg, FL 32068

$245,240$175/sqftEst. $1,250/moMLS# 2143281

Beds

Baths

1,403

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Desirable Townhomes at Westfield Park move-in -ready homes including Stainless Steel Appliances package with refrigerator, oven, microwave, and dishwasher plus a washer and dryer. Located in Middleburg close to shopping ,dinning, and access to major employers throughout Clay County and Jacksonville. Outdoor destinations like Black Creek , Jennings State Forest offer Kayaking and hiking for adventures. Jacksonville attractions a short drive like Jacksonville Zoo and Gardens, TIAA Bank Field and the St. Johns Town Center. All at affordable pricing.

Cost to own

Mortgage calculator

Home Price

$245,240

Down Payment: 20%

$49,048

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,250

Principal & Interest: $1,250

Property taxes (est.): $376

Insurance (est.): $163

Estimated Total Monthly

$1,790

*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$1,250

Property taxesest. at asking price, Clay County$376

HOAbilled monthly$176

Estimated total, before insurance$1,802/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.

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 2026)

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

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