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Pending

Pending·45 days on market

3165 N Star Court

Middleburg, FL 32068

$490,000$176/sqftEst. $2,527/moMLS# 2152085

Beds

Baths

2,777

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

Middleburg

Located in the desirable gated community of Villages of Fireside, this beautifully maintained 3-bedroom, 2.5-bath home with a dedicated office offers 2,777 square feet of thoughtfully designed living space and exceptional outdoor living. Situated on a quiet cul-de-sac, this property combines privacy, comfort, and convenience with room to store your boat or RV behind double gates in the fully fenced backyard. Designed for Florida living, the screened fiberglass pool creates a private backyard retreat, while large awnings provide additional shade and comfort for year-round enjoyment. A new storage shed, Rain Bird irrigation system, water softener, termite bond, and expanded driveway parking add to the home's functionality and value. The remodeled kitchen is the heart of the home, featuring 42-inch maple cabinetry, quartz countertops, a food preparation island, coffee bar, cabinet pull-outs

Cost to own

Mortgage calculator

Home Price

$490,000

Down Payment: 20%

$98,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,527

Principal & Interest: $2,527

Property taxes (est.): $751

Insurance (est.): $327

Estimated Total Monthly

$3,604

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,527

Property taxesest. at asking price, Clay County$751

HOAbilled annually$61

Estimated total, before insurance$3,339/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,012/yr · $251/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	$378,534	$163,397	—
2024	$374,237	$158,085	—
2023	$368,193	$152,025	—
2022	$318,578	$146,141	—
2021	$263,625	$138,466	—
2020	$239,225	$135,864	—

2025 property taxes (current owner): $3,012/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1997)

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: ~1,652 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 25, 2026Pending$490,000
Jun 24, 2026Listed$490,000

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

Features

Price$490,000

Price / Sq Ft$176

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,777

Acres0.49 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Screen Enclosure

Is WaterfrontNo

Community Information

Address3165 N Star Court, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionVillages Of Fireside

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size21,344.4 sq ft

Parcel Number04052500898901037

Amenities

AmenitiesOther, Gated, Jogging Path

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup