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Active

Active·79 days on market

3750 Cairo Way

Middleburg, FL 32068

$279,990$175/sqftEst. $1,438/moMLS# 2148868

Beds

Baths

1,603

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

This brand-new, energy-efficient townhome is perfectly positioned JUST 8 MINUTES from Oakleaf Town Center! ! Spanning 1,603 square feet across two thoughtfully designed levels, this residence offers 3 bedrooms, 2.5 baths, and a spacious 2-car garage. The open-concept main floor is for both entertaining and everyday comfort, featuring a bright great room, dining area, and private patio. Upstairs, a tranquil primary suite provides a peaceful retreat, complemented by the convenience of an upstairs laundry room. This neighborhood has resort-style amenities including a sparkling pool, cabana, playground, and dog park--all with NO CDD fees. This is where modern design, exceptional convenience, and vibrant community living come together.

Cost to own

Mortgage calculator

Home Price

$279,990

Down Payment: 20%

$55,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,438

Principal & Interest: $1,438

Property taxes (est.): $429

Insurance (est.): $187

Estimated Total Monthly

$2,054

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,438

Property taxesest. at asking price, Clay County$429

HOAbilled monthly$175

Estimated total, before insurance$2,042/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.

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.

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