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Pending

Pending·92 days on market

1877 Sue Meadow Lane

Middleburg, FL 32068

$419,000$193/sqftEst. $2,161/moMLS# 2143766

Beds

Baths

2,171

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Introducing the highly sought-after Mystique floorplan on a homesite with water views--an elegant open-concept design with timeless traditional curb appeal. This home offers 4 bedrooms, 3 full bathrooms, and a 2-car garage. Luxury vinyl plank flooring extends through the main living areas, leading into an expanded gathering room highlighted by a tray ceiling and seamless access to the covered lanai--perfect for relaxing or entertaining. The kitchen showcases quartz countertops, upgraded 42-inch white cabinetry, a full Whirlpool appliance package (including range, microwave, dishwasher, and refrigerator), a Flow White tile backsplash, and a large center island ideal for everyday living. The owner's bathroom features a walk-in closet, dual vanities with quartz countertops, a linen closet, and a spa-inspired walk-in shower. Finishing touches include 8-foot interior doors, a smart home system, and additional thoughtful upgrades throughout. Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,161

Principal & Interest: $2,161

Property taxes (est.): $642

Insurance (est.): $279

Estimated Total Monthly

$3,082

*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$2,161

Property taxesest. at asking price, Clay County$642

HOAbilled monthly$62

Estimated total, before insurance$2,865/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

Year	Market value	Taxable value	Change
2025	$16,000	$16,000	—

2025 property taxes (current owner): $244/yr

Estimated taxes if purchased at asking price: ~$7,700/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.

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: ~1,221 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 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$419,000

Price / Sq Ft$193

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,171

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address1877 Sue Meadow Lane, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionMurray Farms

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number34042500815400912

Amenities

AmenitiesPark

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Other

Waterfront TypePond

Interior

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

AppliancesOther, Dishwasher, Electric Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup