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Active

Active·21 days on market

2246 Palisade Point

Middleburg, FL 32068

$540,000$217/sqftEst. $2,874/moMLS# 2151713

Beds

Baths

2,493

Sq Ft

2025

Built

Garage

Pool

About this home

Middleburg

4BR/3BA home in Jennings Farm, Middleburg. Premium builder upgrades, 3-car garage, fenced yard, no CDD, Flood Zone X, built 2025. Built by Dream Finders Homes in 2025, this upgraded 4-bedroom, 3-bathroom home offers 2,493 square feet of living space on a fully fenced 0.25-acre homesite in Jennings Farm. With a premium builder upgrade package already completed, buyers can enjoy upgraded finishes and features without the cost and wait of new construction. The open-concept floor plan features tray ceilings, upgraded tile flooring throughout in lieu of carpet, built-in features, and a split-bedroom layout designed for both privacy and functionality. The kitchen was thoughtfully upgraded with a gas cooktop, combination microwave and wall oven package, exterior-vented range hood, upgraded backsplash, large center island, soft-close cabinets and drawers, and abundant storage and prep space. The spacious owner's suite includes a private bath with a soaking tub and separate walk-in shower.

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Est. Taxes & Insurance: $682

Estimated Total Monthly

$3,410

*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$2,874

Property taxesest. at asking price, Clay County$828

HOAbilled monthly$110

Estimated total, before insurance$3,812/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	$76,000	$76,000	—
2024	$76,000	$76,000	—

2025 property taxes (current owner): $1,159/yr

Estimated taxes if purchased at asking price: ~$9,900/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.

Solar potential: ~1,431 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

Price & status history

Jun 25, 2026Listed$540,000

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

Features

Price$540,000

Price / Sq Ft$217

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,493

Total Structure Area3,377 sq ft

Acres0.25 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMiddleburg

MiddleLake Asbury

HighMiddleburg

Community Information

Address2246 Palisade Point, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionJennings Farm

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size10,890 sq ft

Parcel Number07052500907600451

ZoningSingle Family

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)