Active·65 days on market
3083 Zeyno Drive
Middleburg, FL 32068
About this home
Middleburg
Welcome home to this beautifully updated townhome in a quiet, amenity-rich Middleburg community at 3083 Zeyno Drive, FL 32068. Listings here are rare, and this move-in ready home combines modern finishes with a comfortable, functional layout perfect for everyday living or an easy low-maintenance investment. Step inside to an inviting main living area that flows into a tastefully updated kitchen, featuring modern cabinetry, updated counters, and stylish finishes that make cooking and entertaining a pleasure. The adjacent dining and living spaces create an open, airy feel with plenty of room to relax or host guests. Upstairs, the generous owner's suite easily fits a king-sized bed plus a cozy seating area, giving you a true retreat at the end of the day. The en-suite and additional bathrooms have all been updated, offering a clean, modern look with fresh fixtures and finishes throughout.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $250,000 in December 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $239,550 | $57,238 | — |
| 2024 | $233,581 | $53,368 | — |
| 2023 | $229,515 | $98,756 | — |
| 2022 | $220,714 | $170,714 | — |
| 2021 | $175,700 | $106,063 | — |
| 2020 | $173,077 | $103,909 | — |
2025 property taxes (current owner): $1,715/yr
Estimated taxes if purchased at asking price: ~$4,800/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 — year not disclosed (home built 2017)
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: ~1,758 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 homeAs 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
- Jul 29, 2026Price change$260,000−$7,500
- Jul 9, 2026Price change$267,500−$2,500
- May 29, 2026Listed$270,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines