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Active

Active·72 days on market

2817 Camel Circle

Middleburg, FL 32068

$499,999$240/sqftEst. $2,571/moMLS# 2151401

Beds

Baths

2,081

Sq Ft

2023

Built

Garage

Pool

About this home

Middleburg

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

$499,999

Down Payment: 20%

$100,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,571

Principal & Interest: $2,571

Property taxes (est.): $766

Insurance (est.): $333

Estimated Total Monthly

$3,670

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,571

Property taxesest. at asking price, Clay County$766

Estimated total, before insurance$3,337/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.

Cost to own

Taxes & assessment

Last sold: $60,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$354,558	$0	—
2024	$341,476	$228,150	—
2023	$34,000	$34,000	—
2022	$27,000	$24,200	—
2021	$22,000	$22,000	—
2020	$5,100	$5,100	—

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

Estimated taxes if purchased at asking price: ~$9,200/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 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

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

Aug 19, 2026Price change$499,999−$19,901
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$499,999

Price / Sq Ft$240

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)