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Active

Active·134 days on market

1788 Hollow Glen Drive

Middleburg, FL 32068

$326,900$182/sqftEst. $1,745/moMLS# 2145201

↓ $8,100 below original list

Beds

Baths

1,797

Sq Ft

2006

Built

Garage

Pool

FEMA Zone XHOA $50/mo10,019 sqft lotSingle Family Residence1 story

About this home

Middleburg

** Seller to offer $2,000 in closing cost assistance with an acceptable offer **. New stove and new hot water tank to be installed prior to closing. This inviting 3 bedroom, 2 bathroom home offers a bright, comfortable layout with nearly 1800 square feet of easy everyday living. The kitchen opens to the main living and dining areas, creating a natural gathering space filled with soft light and neutral finishes. All bedrooms are generously sized, including one with built-in shelving that adds charm and function. The primary suite features a double-sink vanity and walk-in shower. Step outside to a screened-in patio overlooking a fully fenced backyard, perfect for morning coffee, pets, or weekend unwinding. With ceiling fans throughout, an interior laundry area, and a quiet Middleburg location close to schools and daily conveniences, this move-in-ready home blends comfort and practicality in a welcoming neighborhood setting.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,745

Property taxesest. at asking price, Clay County$501

HOAbilled quarterly$50

Estimated total, before insurance$2,296/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,812/yr · $401/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

Home Price

$326,900

Down Payment: 20%

$65,380

Interest Rate: 7.03%

Loan Term

Monthly Payment

$1,745

Principal & Interest: $1,745

Property taxes (est.): $501

Insurance (est.): $218

Estimated Total Monthly

$2,464

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2006)

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: ~1,707 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$292,002	$292,002	—
2024	$301,679	$84,645	—
2023	$295,591	$80,724	—
2022	$249,402	$76,917	—
2021	$184,972	$73,221	—
2020	$172,049	$71,520	—

2025 property taxes (current owner): $4,812/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

History

Price & status history

Jul 30, 2026Price change$326,900−$8,100
May 14, 2026Listed$335,000

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

Features

Price$326,900

Price / Sq Ft$182

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,797

Acres0.23 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDoctors Inlet

MiddleLake Asbury

HighRidgeview

Community Information

Address1788 Hollow Glen Drive, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionBarrington Estates

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size10,018.8 sq ft

Parcel Number02052500897000516

Amenities

AmenitiesPool, Park

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub

AppliancesDishwasher, Electric Range, Microwave

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch, Screened

FencingBack Yard, Wood

RoofShingle

Additional Information

Date ListedMay 14, 2026

Days on Market128

HOA Fees$150 / Quarterly

HOA FrequencyQuarterly

Tax Amount$4,811.69

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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.

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