1 / 61

Pending

Pending·47 days on market

4871 Gopher Circle

Middleburg, FL 32068

$575,000$293/sqftEst. $3,060/moMLS# 2147783

Beds

Baths

1,961

Sq Ft

1992

Built

Garage

Yes

Pool

About this home

Middleburg

This is the one you've been searching for! Over an acre of land, a HUGE 1,500-square-foot detached garage, saltwater pool, fire pit, outdoor kitchen, and more! Need room for your boat, RV, toys, and hobbies, but still want to be just 10 minutes from Publix, restaurants, and shopping? This property gives you the best of both worlds with no HOA, no CDD, and plenty of room to spread out. As you arrive, you'll be welcomed by a long private driveway leading to a gorgeous two story traditional-style home with an inviting front porch, plus an impressive detached garage with space for multiple vehicles, storage, equipment, and all your recreational toys. Step outside and discover your own backyard retreat featuring a saltwater pool with a beautiful paver surround, cozy fire pit area, a covered outdoor kitchen complete with a Weber grill, refrigerator, sink, ice maker, storage, and everything you need for entertaining family and friends.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,904

Principal & Interest: $2,904

Est. Taxes & Insurance: $726

Estimated Total Monthly

$3,631

*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$3,060

Property taxesest. at asking price, Clay County$881

Estimated total, before insurance$3,942/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

Last sold: $451,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$372,870	$315,803	—
2024	$363,304	$306,196	—
2023	$345,822	$295,822	—
2022	$302,059	$252,059	—
2021	$201,914	$201,914	—
2020	$155,268	$56,155	—

2025 property taxes (current owner): $5,123/yr

Estimated taxes if purchased at asking price: ~$10,600/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.

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 1992)

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

Solar potential: ~1,244 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

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.

Features

Price$575,000

Price / Sq Ft$293

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,961

Acres1.02 acres

Year Built1992

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address4871 Gopher Circle, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionBlack Creek Park

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size44,387.64 sq ft

Parcel Number32-05-24-006698-961-00

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Detached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)