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

1 / 144

Active Under Contract

Active Under Contract·54 days on market

1009 Oakland Hills Avenue

Middleburg, FL 32068

$720,000$185/sqftEst. $3,671/moMLS# 2149731

Beds

Baths

3,900

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

Welcome to 1009 Oakland Hills Avenue, an exceptional Drees-built Jameson floor plan completed in 2022 and thoughtfully designed for both refined entertaining and comfortable everyday living. Offering nearly 3,900 square feet, this 5 bedroom, 4.5 bath residence combines generous living spaces, architectural detail, and a picturesque waterfront setting. A dramatic foyer entry immediately sets the tone, showcasing soaring ceilings that create a remarkable sense of scale and openness. Framed by an elegant staircase overlooking the grand entry below, the home's architectural design makes a lasting first impression while establishing the sophisticated character carried throughout the residence. Elevated ceiling heights on both levels further enhance the light-filled interiors and spacious atmosphere found in every room.

Cost to own

Mortgage calculator

Home Price

$720,000

Down Payment: 20%

$144,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,671

Principal & Interest: $3,671

Property taxes (est.): $1,103

Insurance (est.): $480

Estimated Total Monthly

$5,254

*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$3,671

Property taxesest. at asking price, Clay County$1,103

HOAbilled annually$4

Estimated total, before insurance$4,779/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

Last sold: $585,600 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$635,339	$565,307	—
2024	$622,094	$548,527	—
2023	$585,949	$535,949	—
2022	$70,000	$70,000	—
2021	$65,000	$65,000	—
2020	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$13,200/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,757 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

Jun 12, 2026Listed$720,000

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

Features

Price$720,000

Price / Sq Ft$185

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,900

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOrange Park

Community Information

Address1009 Oakland Hills Avenue, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionEagle Landing

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number18042500795306042

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Developer, Management - Full Time, Park, Playground, Tennis Court(s), Water

UtilitiesCable Available, Electricity Connected, Sewer Available, Sewer Connected, Sewer Not Available, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Owned