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Active

Active·59 days on market

1889 Sue Meadow Lane

Middleburg, FL 32068

$429,000$173/sqftEst. $2,212/moMLS# 2149761

Beds

Baths

2,483

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Step into this beautiful 2-story Trailside home showcasing the Craftsman elevation. The main level features a spacious secondary bedroom and full bath, while the upstairs features the owner's suite, complemented by three additional bedrooms, two full bathrooms, a versatile loft, and a conveniently located laundry room. The well-appointed kitchen shines with white cabinetry, quartz countertops, a white Flow Picket tile backsplash, a center island, and a Whirlpool appliance package that includes a refrigerator. Luxury vinyl plank flooring extends throughout the main living areas, including the spacious gathering room. Relax and take in serene water views from the covered lanai. Additional highlights include a smart home package, 8-foot interior doors, washer and dryer, window blinds, upgraded stair railing, and more. This exceptional home offers the perfect blend of comfort, convenience, and thoughtful upgrades. Schedule your private tour today and see all it has to offer.

Cost to own

Mortgage calculator

Home Price

$429,000

Down Payment: 20%

$85,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,212

Principal & Interest: $2,212

Property taxes (est.): $657

Insurance (est.): $286

Estimated Total Monthly

$3,156

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,212

Property taxesest. at asking price, Clay County$657

HOAbilled monthly$62

Estimated total, before insurance$2,932/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	$16,000	$16,000	—

2025 property taxes (current owner): $244/yr

Estimated taxes if purchased at asking price: ~$7,900/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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,145 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

Price & status history

Jun 10, 2026Listed$429,000

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

Features

Price$429,000

Price / Sq Ft$173

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,483

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address1889 Sue Meadow Lane, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionMurray Farms

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number34042500815400915

Amenities

AmenitiesPark

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup