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Active

Active·33 days on market

3448 Driver Lane

Middleburg, FL 32068

$348,900$143/sqftEst. $1,857/moMLS# 2150454

Beds

Baths

2,432

Sq Ft

2023

Built

—

Garage

Pool

About this home

Middleburg

Seller is including an additional acre! Total of 2.23 acres! This move in ready 2023 built home on an acre features 4 bedrooms, 2 bathrooms, and a bonus room! Includes 50 amp rv service! Move in ready, nothing to do here but move in!

Cost to own

Mortgage calculator

Home Price

$348,900

Down Payment: 20%

$69,780

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,762

Principal & Interest: $1,762

Est. Taxes & Insurance: $441

Estimated Total Monthly

$2,203

*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$1,857

Property taxesest. at asking price, Clay County$535

Estimated total, before insurance$2,392/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: $81,400 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$256,450	$256,450	▼ $70,078
2024	$316,283	$316,283	—
2023	$135,539	$135,539	—
2022	$91,141	$80,159	—
2021	$72,872	$72,872	—
2020	$63,667	$63,281	—

2025 property taxes (current owner): $5,338/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.

Hurricane evacuation zone SPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — year not disclosed (home built 2023)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,539 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

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