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Active Under Contract

Active Under Contract·84 days on market

3013 Wavering Lane

Middleburg, FL 32068

$280,000$178/sqftEst. $1,428/moMLS# 2144582

Beds

Baths

1,572

Sq Ft

1998

Built

Garage

Pool

About this home

Middleburg

Tucked away on a peaceful cul-de-sac in Middleburg, this beautifully maintained 4-bedroom, 2-bathroom home welcomes you with warmth, space, and effortless Florida charm. From the inviting curb appeal to the thoughtfully designed interior, every detail is crafted for comfortable everyday living. The open kitchen-to-living room floor plan creates a bright, welcoming atmosphere. The kitchen features ample cabinetry, generous prep space, a breakfast bar, plus a cozy space for a breakfast nook or additional workspace. The primary suite serves as a relaxing retreat with a walk-in closet and a spacious ensuite bath. Built-in surround sound extends from the living room to the Owner's Suite for seamless audio throughout the home. Enjoy added long-term value with a fairly new roof and AC. Step outside to a covered patio overlooking the large backyard with plenty of room for gardening, barbecues, play, or simply enjoying the Florida sunshine. Conveniently located near shops, schools, & more!

Cost to own

Mortgage calculator

Home Price

$280,000

Down Payment: 20%

$56,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,428

Principal & Interest: $1,428

Property taxes (est.): $429

Insurance (est.): $187

Estimated Total Monthly

$2,043

*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$1,428

Property taxesest. at asking price, Clay County$429

HOAbilled annually$25

Estimated total, before insurance$1,882/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,305/yr · $359/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	$258,754	$258,754	—
2024	$255,288	$255,288	—
2023	$244,323	$239,422	—
2022	$217,657	$217,657	—
2021	$169,804	$60,432	—
2020	$164,691	$58,908	—

2025 property taxes (current owner): $4,305/yr

Estimated taxes if purchased at asking price: ~$5,100/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.

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 1998)

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: ~1,744 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

Jul 9, 2026Active Under Contract$280,000
May 11, 2026Listed$280,000

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

Features

Price$280,000

Price / Sq Ft$178

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,572

Acres0.19 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDoctors Inlet

MiddleLakeside

HighRidgeview

Community Information

Address3013 Wavering Lane, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionGlen Laurel

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,276.4 sq ft

Parcel Number34042500815400637

ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other

AppliancesOther, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne