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Active

Active·26 days on market

2025 Frogmore Drive

Middleburg, FL 32068

$330,000$186/sqftEst. $1,698/moMLS# 2152005

Beds

Baths

1,770

Sq Ft

2001

Built

Garage

Pool

About this home

Middleburg

4BR/2BA home in Southampton, Middleburg. New windows and slider (2020), roof 2017, AC 2024. Fenced yard, 2-car garage, low HOA. Welcome to 2025 Frogmore Dr in the Southampton community of Middleburg. This 4-bedroom, 2-bath home offers 1,770 square feet of living space on a 0.17-acre lot and features several major updates already completed. With a 2017 roof, 2024 HVAC system, and new windows and sliding glass door installed in 2020, buyers can focus on enjoying the home rather than planning immediate capital improvements. Inside, the floor plan provides comfortable living and gathering spaces designed for everyday functionality. Bedrooms feature new carpet, while the kitchen is finished with durable vinyl plank flooring. Laminate flooring extends through the main living areas, creating a cohesive look and easy maintenance. Fresh interior paint adds to the home's move-in-ready appeal. The home's updated systems help answer some of the most common buyer questions.

Cost to own

Mortgage calculator

Home Price

$330,000

Down Payment: 20%

$66,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,698

Principal & Interest: $1,698

Property taxes (est.): $506

Insurance (est.): $220

Estimated Total Monthly

$2,424

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,698

Property taxesest. at asking price, Clay County$506

HOAbilled annually$18

Estimated total, before insurance$2,222/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,282/yr · $357/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$257,287	$257,287	—
2024	$254,003	$254,003	—
2023	$279,505	$234,526	—
2022	$230,938	$213,206	—
2021	$177,705	$88,852	—
2020	$163,437	$20,910	—

2025 property taxes (current owner): $4,282/yr

Estimated taxes if purchased at asking price: ~$6,100/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 — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,757 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

Jul 20, 2026Active$330,000

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

Features

Price$330,000

Price / Sq Ft$186

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,770

Total Structure Area2,344 sq ft

Acres0.17 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDoctors Inlet

MiddleLakeside

HighRidgeview

Community Information

Address2025 Frogmore Drive, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionSouthampton

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,405.2 sq ft

Parcel Number35042500822301413

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Laminate

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

SecuritySmoke Detector(s)