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Active

Active·79 days on market

2873 Fennel Avenue

Middleburg, FL 32068

$369,900$232/sqftEst. $1,902/moMLS# 2147185

Beds

Baths

1,597

Sq Ft

1988

Built

Garage

Pool

About this home

Middleburg

Country Living with Modern Updates on 1.24 Acres! Welcome home to this charming 3-bedroom, 2-bath property offering the perfect blend of peaceful country living and everyday convenience. Situated on 1.24 acres, there is plenty of room for family, pets, outdoor activities, and enjoying the open space. This move-in ready home features a desirable split-bedroom floor plan with vaulted ceilings that create an open and inviting feel. The spacious family room is centered around a cozy fireplace, making it the perfect gathering spot. New Laminate flooring in the family room provides style and easy maintenance. The home also offers a breakfast area and functional galley kitchen, ideal for everyday living. Major updates provide added peace of mind, including a brand-new roof (2026). Enjoy the quiet country setting while still being conveniently located near shopping and schools. This is the space, comfort, and value you have been looking for!

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,902

Principal & Interest: $1,902

Property taxes (est.): $567

Insurance (est.): $247

Estimated Total Monthly

$2,715

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,902

Property taxesest. at asking price, Clay County$567

Estimated total, before insurance$2,469/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,704/yr · $142/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	$262,724	$56,539	—
2024	$254,838	$52,689	—
2023	$239,488	$48,097	—
2022	$210,412	$43,638	—
2021	$159,927	$39,309	—
2020	$155,482	$37,317	—

2025 property taxes (current owner): $1,704/yr

Estimated taxes if purchased at asking price: ~$6,800/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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · 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: ~1,420 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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