Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active Under Contract

Active Under Contract·64 days on market

12 Bitterroot Avenue

Middleburg, FL 32068

$390,000$217/sqftEst. $1,988/moMLS# 2148211

Beds

Baths

1,800

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Welcome to your dream home! 3-bed 2-bath 2- car garage . The split floor plan offers privacy for the master suite. As you step inside the living area, The open floor plan creates a seamless flow between the living room, dining area, and kitchen. Country living offers a level of privacy and peace that's hard to find elsewhere. NO HOA & NO CDD FEES. Bring all your toys, Boat Rv ATVS. Don't miss the opportunity to make this stunning property your forever home. Conveniently located near shopping centers, schools, parks, and major highways, you'll have easy access to everything you need.

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,988

Principal & Interest: $1,988

Property taxes (est.): $598

Insurance (est.): $260

Estimated Total Monthly

$2,846

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,988

Property taxesest. at asking price, Clay County$598

Estimated total, before insurance$2,586/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$5,100	$5,100	—

Estimated taxes if purchased at asking price: ~$7,200/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 2026)

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

Solar potential: ~1,235 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