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Active

Active·63 days on market

2482 Glow Wood Court

Middleburg, FL 32068

$425,000$219/sqftEst. $2,192/moMLS# 2143492

Beds

Baths

1,942

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Middleburg

Price Improvement AND Open House 8/9 1-3. Backyard Retreat + Expansive Granite Island | Pool Home | Gated | NO CDD Tucked away on a quiet cul-de-sac inside a gated Middleburg community, this brick home offers a great combination of privacy, space, and an incredible backyard retreat. Featuring a 3-bedroom, 2-bathroom split floor plan, the home offers a comfortable and functional layout. The kitchen opens to the family room and is anchored by a long, oversized granite island--perfect for gathering, everyday living, or entertaining guests. Step outside and you'll immediately see what sets this property apart--an inviting backyard designed for both relaxation and entertaining. Enjoy the in-ground pool surrounded by beautiful brick pavers, a cozy outdoor fireplace, and a screened-in porch that extends your living space year-round.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,126

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,192

Property taxesest. at asking price, Clay County$651

HOAbilled annually$61

Estimated total, before insurance$2,904/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.

Cost to own

Taxes & assessment

Last sold: $425,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$326,656	$0	—
2024	$323,245	$0	—
2023	$318,345	$212,282	—
2022	$278,897	$278,897	—
2021	$229,339	$155,783	—
2020	$208,680	$152,942	—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 1998)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,726 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