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Active

Active·84 days on market

4075 Sunrise Farms Road

Middleburg, FL 32068

$349,900$255/sqftEst. $1,801/moMLS# 2146429

Beds

Baths

1,373

Sq Ft

1955

Built

—

Garage

Pool

About this home

Middleburg

Step into the perfect mix of vintage charm and modern convenience in this beautifully updated 1950s bungalow, nestled on a high and dry, fully fenced corner lot spanning over an acre with no HOA. From the moment you arrive, you'll appreciate the brand-new metal roof and gutters, freshly painted interior and exterior, and welcoming front porch featuring decorative handrails and a new metal porch roof. Inside, the home blends classic character with thoughtful upgrades, including original hardwood floors in the bedrooms, LED lighting throughout, Low-E windows with 2-inch faux wood blinds, updated plumbing and wiring, newer A/C and water heater, and a water oxidation system for added peace of mind. The remodeled kitchen shines with newer appliances, modern finishes, and functionality designed for everyday living and entertaining alike. The flexible floor plan offers spacious living areas plus a versatile bonus/storage room with waterproof laminate flooring and its own

Cost to own

Mortgage calculator

Home Price

$349,900

Down Payment: 20%

$69,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,801

Principal & Interest: $1,801

Property taxes (est.): $536

Insurance (est.): $233

Estimated Total Monthly

$2,570

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,801

Property taxesest. at asking price, Clay County$536

Estimated total, before insurance$2,337/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,593/yr · $216/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	$257,030	$135,941	—
2024	$173,755	$35,555	—
2023	$171,903	$33,064	—
2022	$135,752	$30,645	—
2021	$109,412	$28,297	—
2020	$100,596	$27,216	—

2025 property taxes (current owner): $2,593/yr

Estimated taxes if purchased at asking price: ~$6,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone NPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Metal — year not disclosed (home built 1955)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,656 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