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Active

Active·55 days on market

1456 Coopers Hawk Way

Middleburg, FL 32068

$530,000$193/sqftEst. $2,821/moMLS# 2144396

Beds

Baths

2,753

Sq Ft

2011

Built

Garage

Pool

About this home

Middleburg

Welcome home to a spacious, light-filled home located on a quiet dead-end street, perfect for families seeking comfort and privacy. This 4-bedroom, 3-bathroom home features a versatile bonus room that can easily serve as a 5th bedroom, home office, or flex space. The open-concept layout is filled with natural light from numerous windows, creating a warm and inviting atmosphere throughout. The kitchen is equipped with stainless steel appliances, granite countertops, ample cabinet space, and a convenient eat-in area, along with a formal dining room ideal for entertaining. Step outside to enjoy a large patio with a pergola and covered grilling area, all overlooking a peaceful water view. The fully fenced backyard provides the perfect space for relaxing or gathering. Additional highlights include extra side parking and overhead garage storage. Community amenities include a BBQ area, children's pool, clubhouse, fitness center, gated entry, playground, pool, and tennis co

Cost to own

Mortgage calculator

Home Price

$530,000

Down Payment: 20%

$106,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,694

Principal & Interest: $2,694

Est. Taxes & Insurance: $673

Estimated Total Monthly

$3,367

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,821

Property taxesest. at asking price, Clay County$812

HOAbilled annually$47

Estimated total, before insurance$3,680/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$423,614	$273,692	—
2024	$407,398	$265,272	—
2023	$398,929	$256,090	—
2022	$352,564	$247,175	—
2021	$288,520	$238,520	—
2020	$267,106	$267,106	—

2025 property taxes (current owner): $7,423/yr

Estimated taxes if purchased at asking price: ~$9,700/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: material not specified — year not disclosed (home built 2011)

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: ~1,721 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History