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Active

Active·21 days on market

2744 Burroughs Road

Middleburg, FL 32068

$190,000$95/sqftEst. $1,011/moMLS# 2150691

Beds

Baths

2,000

Sq Ft

2000

Built

—

Garage

Pool

About this home

Middleburg

Situated on a peaceful 1-acre lot surrounded by mature trees and natural greenery, this property offers a great opportunity for buyers with vision. Recent improvements include a new septic system and interior updates, providing a solid foundation for future enhancements. The property also features a separate 1-bedroom, 1-bathroom ADU already connected to electricity, offering additional flexibility for guests, rental income, or extended family. As an added bonus, the seller also owns 2 adjacent lots, a 1-acre parcel + 0.29 acre parcel (1.29 total acres) which may be included with an acceptable offer. Priced to sell, this unique property combines rural charm, privacy, and exceptional potential. Everyone interested in seeing property MUST be accompanied by an active real estate agent.

Cost to own

Mortgage calculator

Home Price

$190,000

Down Payment: 20%

$38,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$960

Principal & Interest: $960

Est. Taxes & Insurance: $240

Estimated Total Monthly

$1,200

*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$1,011

Property taxesest. at asking price, Clay County$291

Estimated total, before insurance$1,302/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

Year	Market value	Taxable value	Change
2025	$68,996	$68,996	—
2024	$83,290	$83,290	▲ $36,694
2023	$46,596	$46,596	—

2025 property taxes (current owner): $1,410/yr

Estimated taxes if purchased at asking price: ~$3,500/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: Other — year not disclosed (home built 2000)

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

Septic system (public record) · 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: ~1,327 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