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Active

Active·78 days on market

4324 Rock Pigeon Lane

Middleburg, FL 32068

$475,000$184/sqftEst. $2,422/moMLS# 2144344

Beds

Baths

2,587

Sq Ft

2017

Built

Garage

Pool

About this home

Middleburg

Private gated community, close to the amenities. Custom Drees home features beautiful upgrades to include crown molding, upgraded baseboards, tray ceilings & beautiful wooden beams in the living room with panoramic view of the water from all the main living areas. Quadruple sliding and stacking door as well as a French door leads you outside to the screened lanai and water. Southern exposure puts the screened lanai and backyard facing north for larger amounts of shade. Separated three car garage allows for unique entrances to the house, not your average 3 car garage. Mud room for shoes and jackets and the inside laundry room with sink. Tile covers most of the house with wood floors in the office, vinyl in the primary bedroom & carpet in the third and fourth bedrooms. Very large and spacious primary bedroom bath with separate shower, garden tub & closet. Close to the outer beltway, but tucked into a fantastic, gated community. Seller will offer $3000 painting allowance.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $728

Insurance (est.): $317

Estimated Total Monthly

$3,466

*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$2,422

Property taxesest. at asking price, Clay County$728

HOAbilled annually$47

Estimated total, before insurance$3,197/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,059/yr · $588/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	$429,339	$249,849	—
2024	$412,771	$241,960	—
2023	$403,936	$233,311	—
2022	$357,324	$229,414	—
2021	$290,981	$221,262	—
2020	$268,010	$217,510	—

2025 property taxes (current owner): $7,059/yr

Estimated taxes if purchased at asking price: ~$8,700/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.

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 2017)

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: ~1,745 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

May 8, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$184

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,587

Acres0.25 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address4324 Rock Pigeon Lane, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionTwo Creeks

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size10,890 sq ft

Parcel Number24042400557400395

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile, Wood

# of Stories1

LevelsOne