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Pending

Pending·80 days on market

3518 Cedar Preserve Lane

Middleburg, FL 32068

$406,990$190/sqftEst. $2,075/moMLS# 2143719

Beds

Baths

2,139

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Step into the sought-after Mystique home, featuring a delightful Coastal-inspired exterior. This thoughtfully designed open-concept layout offers 4 generously sized bedrooms, 3 full bathrooms, and a 2-car garage that blends convenience with everyday practicality. The beautifully upgraded kitchen stands out with a full appliance package--including a refrigerator--alongside elegant quartz countertops, 42-inch white cabinets, a Flow White tile backsplash, and an oversized island ideal for hosting and gathering. Luxury vinyl plank flooring flows throughout the main living areas, connecting the extended gathering room--highlighted by a tray ceiling--to a covered lanai, creating a seamless indoor-outdoor living experience. Additional highlights include 8-foot interior doors, integrated smart home features, a washer and dryer, window blinds, upgraded hardware finishes, and more. This exceptional home is move-in ready and waiting for your personal touch!

Cost to own

Mortgage calculator

Home Price

$406,990

Down Payment: 20%

$81,398

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,075

Principal & Interest: $2,075

Property taxes (est.): $624

Insurance (est.): $271

Estimated Total Monthly

$2,970

*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$2,075

Property taxesest. at asking price, Clay County$624

HOAbilled annually$58

Estimated total, before insurance$2,757/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,688/yr · $141/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

Year	Market value	Taxable value	Change
2025	$75,000	$75,000	—
2024	$75,000	$75,000	—
2023	$12,000	$12,000	—

2025 property taxes (current owner): $1,688/yr

Estimated taxes if purchased at asking price: ~$7,500/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,682 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

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.

Features

Price$406,990

Price / Sq Ft$190

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,139

Acres0.15 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTynes

MiddleOakleaf Jr High

HighRidgeview

Community Information

Address3518 Cedar Preserve Lane, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionDouble Branch

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,534 sq ft

Parcel Number17042500794600519

ZoningResidential

Amenities

AmenitiesDog Park, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Dryer, Electric Range, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup