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Active

Active·51 days on market

4379 Tarragon Avenue

Middleburg, FL 32068

$385,000$211/sqftEst. $2,049/moMLS# 2147015

Beds

Baths

1,827

Sq Ft

2001

Built

Garage

Pool

About this home

Middleburg

Live the Florida Homestead Lifestyle! Set on beautiful acreage with NO HOA or CDD fees, this move-in-ready home offers the rare opportunity to enjoy privacy, freedom, and sustainable living. Inside, you'll find fresh paint, soaring ceilings, a formal dining room, and a spacious great room designed for gathering family and friends. Step outside and discover what truly makes this property special. Imagine collecting fresh eggs from your chicken coop, fishing in your private stocked pond, harvesting fruit from your own trees, or relaxing beneath mature landscaping designed to bloom throughout the seasons. From blueberries and figs, avocados, pears, citrus, herbs, and more, this property offers an incredible opportunity to enjoy farm-to-table living right in your own backyard. Whether you're looking for a peaceful retreat, hobby farm, gardener's paradise, or simply more room to breathe, this property offers a lifestyle that's increasingly difficult to find

Cost to own

Mortgage calculator

Home Price

$385,000

Down Payment: 20%

$77,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,945

Principal & Interest: $1,945

Est. Taxes & Insurance: $486

Estimated Total Monthly

$2,431

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$2,049

Property taxesest. at asking price, Clay County$590

Estimated total, before insurance$2,639/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	$339,397	$339,397	—
2024	$335,008	$332,042	—
2023	$313,712	$301,857	—
2022	$274,416	$274,416	—
2021	$207,154	$82,233	—
2020	$200,983	$80,408	—

2025 property taxes (current owner): $5,535/yr

Estimated taxes if purchased at asking price: ~$7,100/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: material not specified — year not disclosed (home built 2001)

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: ~1,643 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.

History

Price & status history

May 25, 2026Listed$385,000

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

Features

Price$385,000

Price / Sq Ft$211

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,827

Total Structure Area2,364 sq ft

Acres1.10 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address4379 Tarragon Avenue, Middleburg, FL 32068

Area144-Middleburg-SE

SubdivisionBlack Creek Park

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size47,916 sq ft

Parcel Number35052400669995600

ZoningResidential

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Garage, RV Access/Parking, Other

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup