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Active Under Contract

Active Under Contract·57 days on market

1322 Warbler Way

Middleburg, FL 32068

$525,000$187/sqftEst. $2,707/moMLS# 2150305

Beds

Baths

2,806

Sq Ft

2016

Built

Garage

Pool

About this home

Middleburg

Discover the perfect haven for your family in this exquisite 4-bedroom, 3.5-bathroom home, designed for generational living and comfort. Built in 2016, this modern residence boasts two primary bedrooms, each with its own ensuite, making it ideal for multi-family arrangements. Enjoy the convenience of one ADA-compliant ensuite that ensures accessibility for all. Step inside to find a beautiful additions like upgraded lighting, fans, motorized window shades, a custom closet system, a double oven for culinary enthusiasts, and a spacious Florida sunroom with double sliders that invites the outdoors in. The whole-home water purification system guarantees pure water throughout, while the spray foam insulation offers energy efficiency year-round. The outdoor space is equally impressive, featuring a paver patio with a seating ledge, perfect for a fire pit or a dining table and BBQ grill. Transition from large gatherings to quiet evenings overlooking the serene pond from the fully fenced yard.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,707

Principal & Interest: $2,707

Property taxes (est.): $805

Insurance (est.): $350

Estimated Total Monthly

$3,862

*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$2,707

Property taxesest. at asking price, Clay County$805

HOAbilled quarterly$53

Estimated total, before insurance$3,565/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,138/yr · $595/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	$440,766	$254,976	—
2024	$423,935	$247,083	—
2023	$414,750	$238,431	—
2022	$367,255	$230,031	—
2021	$300,047	$221,875	—
2020	$276,164	$218,122	—

2025 property taxes (current owner): $7,138/yr

Estimated taxes if purchased at asking price: ~$9,700/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 2016)

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

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: ~1,789 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$525,000
Jul 8, 2026Price change$525,000−$10,000
Jun 12, 2026Listed$535,000

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

Features

Price$525,000

Price / Sq Ft$187

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,806

Total Structure Area3,594 sq ft

Acres0.22 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address1322 Warbler Way, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionTwo Creeks

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size9,583.2 sq ft

Lot Dimensions120 X 80

Parcel Number24042400557400383

ZoningSingle Family

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Gated, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)