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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 30, 2026·10 days on market

2226 Palisade Point

Middleburg, FL 32068

$437,990sold priceListed at $437,990 · 100% of asking$198/sqftMLS# 2144488
3
Beds
2
Baths
2,213
Sq Ft
2026
Built
2
Garage
No
Pool
HOA $110/mo7,405 sqft lotWaterfrontSingle Family Residence1 storyNew construction

About this home

Middleburg

Fleming II . Stunning 4 Bedroom, 2 Bath, 2 Car Garage Welcome to your dream home! This spacious 2213 sq. ft. residence offers a perfect blend of luxury and comfort. The gourmet kitchen, the heart of the home, features premium 42'' cabinets, sleek quartz countertops, and ample storage space, making it perfect for both everyday cooking and entertaining guests. Enjoy the beauty and durability of wood-look tile floors throughout the main living areas, adding a touch of sophistication to your home. Fix Forward FHA/ VA 4.99%

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,426
Property taxesest. at asking price, Clay County$671
HOAbilled annually$110
Estimated total, before insurance$3,207/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,159/yr · $97/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$437,990
$87,598
Loan Term
Monthly Payment
$2,426
Principal & Interest: $2,426
Property taxes (est.): $671
Insurance (est.): $292
Estimated Total Monthly
$3,389
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,029 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$76,000$76,000—
2024$76,000$76,000—

2025 property taxes (current owner): $1,159/yr

Estimated taxes if purchased at asking price: ~$8,100/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $209/sq ft; this home is listed at $198/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2418 Jennings Farm Drive, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$415,000$1894/32,1901250.1
2248 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$590,000$2055/32,874640.1
3983 Gareys Ferry Way, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLCSep 2026$420,000$2274/21,8476370.2
2238 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$419,340$1465/42,8741110.2
3957 Gareys Ferry Way, Middleburg, FL 32068Listed by MOMENTUM REALTYAug 2026$434,900$2094/2.52,085430.2
2333 Jennings Farm Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$576,857$2314/32,49300.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$437,990
Price / Sq Ft$198
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,213
Total Structure Area2,801 sq ft
Acres0.17 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryMiddleburg
MiddleLake Asbury

Community Information

Address2226 Palisade Point, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionJennings Farm
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size7,405.2 sq ft
Parcel Number07-05-25-009076-004-46
ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground
UtilitiesCable Available, Cable Not Available, Electricity Available, Electricity Connected, Electricity Not Available, Natural Gas Available, Natural Gas Not Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
Waterfront TypeCreek, Pond

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range
HeatingHeat Pump, Natural Gas
CoolingCentral Air, Electric
# of Stories1
LevelsOne and One Half
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Porch
RoofShingle
ConstructionWood Siding
Road SurfacePaved

Additional Information

Date ListedMay 9, 2026
Days on Market10
HOA Fees$1,320 / Annually
HOA FrequencyAnnually
HOA NameJennings Farm Homeowner’s Association
Tax Amount$1,159.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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