Active·61 days on market
2807 Southampton Drive
Middleburg, FL 32068
About this home
Middleburg
Preferred lender offering free 1 year rate buy down! Brand new and move-in ready, this beautifully designed home offers modern style and effortless living in an established neighborhood. The open-concept floor plan features soaring 10-foot ceilings, luxury vinyl plank flooring, abundant natural light, and a spacious living area perfect for everyday living and entertaining. The stunning kitchen showcases an oversized quartz island with bar seating, white shaker cabinetry, stainless steel appliances, tile backsplash, and a built-in wine cooler. The private primary suite includes a walk-in closet and a luxurious bath with dual vanities and a tiled walk-in shower. Well-sized secondary bedrooms, a dedicated laundry room, and a 2-car garage provide added convenience. Enjoy outdoor living on the covered patio overlooking the low-maintenance backyard. Ideally located near shopping, dining, and everyday conveniences, this home offers the perfect blend of comfort, style, and functionality.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $50,000 | $46,585 | — |
| 2024 | $50,000 | $42,350 | — |
| 2023 | $50,000 | $38,500 | — |
| 2022 | $35,000 | $35,000 | — |
| 2021 | $30,000 | $30,000 | — |
| 2020 | $30,000 | $30,000 | — |
2025 property taxes (current owner): $732/yr
Estimated taxes if purchased at asking price: ~$6,600/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 2025)
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: ~1,649 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 homeAs 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 13, 2026Price change$359,999−$5,001
- Jun 15, 2026Listed$365,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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