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Active Under Contract

Active Under Contract·62 days on market

3608 Meadowgreen Lane

Middleburg, FL 32068

$350,000$150/sqftEst. $1,801/moMLS# 2149356

Beds

Baths

2,331

Sq Ft

2004

Built

Garage

Pool

About this home

Middleburg

TAKING BACK-UP-OFFERS! Discover your dream home in Whisper Creek at 3608 Meadowgreen Lane. This beautifully 4-bedroom, c2-bath residence offers 2,331 square feet of spacious living. The open floor plan features granite countertops in the kitchen, a large master suite with his-and-her walk-in closets, and a split bedroom layout. Move-in ready and priced to sell, it's located in a low- HOA neighborhood with sidewalks, a park, and street lighting. Key Features: * 4 bedrooms, 2 baths * 2,331 square feet * New roof 2021 * Water heater replaced. * Luxury vinyl plank flooring in kitchen and foyer * Carpet in the bedrooms * Spacious backyard perfect for cookouts or a future pool Nearby Amenities: * Coppergate Elementary (1.25 miles) * Wilkinson Junior High (4 miles) * Ridgeview High School (2.1 miles) * Ascension St. Vincent's Clay County Hospital (minutes away) * Clay Town Center for shopping and dining * Close to parks and nature preserves

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,801

Principal & Interest: $1,801

Property taxes (est.): $536

Insurance (est.): $233

Estimated Total Monthly

$2,571

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,801

Property taxesest. at asking price, Clay County$536

HOAbilled monthly$27

Estimated total, before insurance$2,364/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,239/yr · $187/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	$334,745	$112,777	—
2024	$329,954	$108,892	—
2023	$323,245	$104,265	—
2022	$298,496	$99,772	—
2021	$224,206	$95,410	—
2020	$209,423	$93,403	—

2025 property taxes (current owner): $2,239/yr

Estimated taxes if purchased at asking price: ~$6,400/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 — 2021 per the listing

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

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: ~1,749 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 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

Price & status history

Jul 14, 2026Active Under Contract$350,000
Jun 14, 2026Listed$350,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$350,000

Price / Sq Ft$150

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,331

Acres0.19 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3608 Meadowgreen Lane, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionWhisper Creek

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,276.4 sq ft

Parcel Number29042500806401120

Amenities

UtilitiesElectricity Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Concrete

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)