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Pending

Pending·45 days on market

1811 Dahlia Court

Middleburg, FL 32068

$289,000$225/sqftEst. $1,538/moMLS# 2146901

Beds

Baths

1,287

Sq Ft

1998

Built

Garage

Pool

About this home

Middleburg

Welcome to your serene retreat! This charming 3-bedroom, 2-bathroom home features an open-concept layout designed for comfortable living and effortless entertaining. The inviting living area is highlighted by a cozy fireplace, creating the perfect space to relax and unwind. The spacious primary suite includes a private ensuite bathroom for added comfort and convenience. The kitchen is equipped with modern appliances, generous counter space, and plenty of storage to meet all your culinary needs. Step outside to enjoy the covered patio overlooking a large backyard that backs up to a wooded area, offering both privacy and peaceful natural views. With no HOA, you'll enjoy the freedom to truly make this property your own. Don't miss the opportunity to experience the perfect blend of comfort, privacy, and tranquility--schedule your showing today

Cost to own

Mortgage calculator

Home Price

$289,000

Down Payment: 20%

$57,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,538

Principal & Interest: $1,538

Est. Taxes & Insurance: $385

Estimated Total Monthly

$1,923

*Estimates based on 30-year loan at 7% APR. 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$1,538

Property taxesest. at asking price, Clay County$445

Estimated total, before insurance$1,983/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	$220,205	$169,483	—

2025 property taxes (current owner): $3,104/yr

Estimated taxes if purchased at asking price: ~$5,300/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 921 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.

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 1998)

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

Solar potential: ~1,660 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.