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Active

Active·19 days on market

2817 Camel Circle

Middleburg, FL 32068

$519,900$250/sqftEst. $2,767/moMLS# 2151401

Beds

Baths

2,081

Sq Ft

2023

Built

Middleburg

About this home

This charming 3-year-old country home sits on 1.53 serene acres, offering the perfect mix of modern comfort and rural privacy. Bright, open living spaces, contemporary finishes, and the efficiency of a newer build make it truly move-in ready. Enjoy room to breathe, garden, play, or simply relax in your own peaceful retreat. Reduced price. Don't miss this one!

Cost to own

Mortgage calculator

Home Price

$519,900

Down Payment: 20%

$103,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,767

Principal & Interest: $2,767

Est. Taxes & Insurance: $692

Estimated Total Monthly

$3,459

*Estimates based on 30-year loan at 7% APR. 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$2,767

Property taxesest. at asking price, Clay County$801

Estimated total, before insurance$3,568/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	$354,558	$0	—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$9,600/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 921 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 2023)

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

Solar potential: ~1,502 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

Price & status history

Jul 8, 2026Price change$519,900−$10,000
Jun 19, 2026Listed$529,900

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

Features

Price$519,900

Price / Sq Ft$250

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,081

Acres1.53 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address2817 Camel Circle, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionBlack Creek Park

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size66,646.8 sq ft

Parcel Number32052400669822100

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourcePrivate

Green / EnergyAppliances, Doors, HVAC, Thermostat, Water Heater

ParkingGarage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home

AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Freezer, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Split System

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s)