1 / 29

Active

Active·34 days on market

4819 Sedge Street

Middleburg, FL 32068

$269,000$179/sqftEst. $1,432/moMLS# 2150135

Beds

Baths

1,500

Sq Ft

2026

Built

—

Garage

Pool

About this home

Middleburg

Brand new Champion MFH sitting on over 2 acres in popular Middleburg. Country setting with lots of room outside for animals, garden or just recreation. The home has GR with Dr & open kitchen with lots of cabinets & counter space plus a big island. The DR looks out to the large back yard through sliding glass door. Master suite has double vanities & big shower plus nice size walk in closet. The other BRs at other end of home also have big walk in closets for extra storage. Home has upgraded vinyl throughout & stainless upgraded kitchen appliances. This brand new home comes with a one year warranty & you have so much yard for all your needs.

Cost to own

Mortgage calculator

Home Price

$269,000

Down Payment: 20%

$53,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,359

Principal & Interest: $1,359

Est. Taxes & Insurance: $340

Estimated Total Monthly

$1,698

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,432

Property taxesest. at asking price, Clay County$412

Estimated total, before insurance$1,844/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: $25,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$22,120	$21,725	—
2024	$19,750	$19,750	—
2023	$16,985	$13,904	—
2022	$12,640	$12,640	—
2021	$5,100	$5,100	—
2020	$5,100	$5,100	—

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$4,900/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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.

Solar potential: ~1,239 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 11, 2026Listed$269,000

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

Features

Price$269,000

Price / Sq Ft$179

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,500

Acres2.27 acres

Year Built2026

TypeResidential

Sub-TypeManufactured Home

StyleTraditional

Property ConditionUnder Construction

StatusActive

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address4819 Sedge Street, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionMiddleburg

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size98,881.2 sq ft

Lot Dimensions230' x 300'

Parcel Number32052400669842800

Amenities

UtilitiesElectricity Available, Water Available

SewerSeptic Tank

Water SourceWell

ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)