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Active

Active·57 days on market

1721 Foggy Day Drive

Middleburg, FL 32068

$380,000$175/sqftEst. $1,931/moMLS# 2147154

Beds

Baths

2,173

Sq Ft

2010

Built

Garage

Pool

About this home

Middleburg

** With acceptable offer executed by 8/1/26 seller will contribute up to $10,000 towards buyers closing costs, pre-paids, or rate buydown. ** Welcome to 1721 Foggy Day Drive in Middleburg, Florida. Fully renovated, move-in ready home designed for the way families live today. Featuring 5 bedrooms and 3 full bathrooms across more than 2,100 square feet, this spacious home offers flexibility, comfort, and room to grow. A standout feature is the private in-law suite with its own full bath, making it ideal for multigenerational living, visiting guests, a live-in parent, college student, or a quiet work-from-home retreat. The open-concept floor plan centers around a beautifully updated kitchen with granite countertops, a large island, and gathering spaces perfect for everyday living and entertaining. With summer here and school out, now is the perfect time to settle into your new home and enjoy everything this community has to offer. Why wait to build new?

Cost to own

Mortgage calculator

Home Price

$380,000

Down Payment: 20%

$76,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,931

Principal & Interest: $1,931

Property taxes (est.): $582

Insurance (est.): $253

Estimated Total Monthly

$2,767

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,931

Property taxesest. at asking price, Clay County$582

HOAbilled annually$7

Estimated total, before insurance$2,521/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	$294,444	$174,012	—
2024	$306,075	$168,401	—
2023	$309,426	$162,040	—
2022	$266,338	$155,865	—
2021	$199,869	$149,869	—
2020	$193,395	$193,395	—

2025 property taxes (current owner): $5,830/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

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 2010)

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: ~1,757 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

May 26, 2026Listed$380,000

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

Features

Price$380,000

Price / Sq Ft$175

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,173

Total Structure Area2,729 sq ft

Acres0.21 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address1721 Foggy Day Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size9,147.6 sq ft

Lot Dimensions20*40 800 Sqft

Parcel Number30042500806901026

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Racquetball, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Not Available, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, On Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Freezer, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric, Hot Water

CoolingAttic Fan, Central Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Security System Owned, Smoke Detector(s)