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Active

Active·55 days on market

3842 Heatherbrook Place

Middleburg, FL 32068

$595,000$198/sqftEst. $3,056/moMLS# 2152410

Beds

Baths

3,008

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

Modern, UNIQUE, Multi-generational 4 bedroom, 3.5-bath home WITH ATTACHED ADU (Accessory Dwelling Unit) offering 3,008 square feet of thoughtfully designed living space in the sought-after Greyhawk community of Oakleaf. Nestled on a private cul-de-sac lot with preserve views behind and no immediate neighbor to one side, this home offers the perfect blend of privacy, comfort, and style. You'll love the bright, airy open floor plan, highlighted by a wide foyer, soothing coastal-inspired colors, soaring ceilings, and gorgeous porcelain wood-look flooring throughout the main living areas. The gourmet kitchen features a large island, gas cooktop, stainless steel appliances, upgraded lighting, and designer backsplash--ideal for everyday living and entertaining. A standout feature is the attached ADU (complete with its own private entrance, living area, kitchenette, bedroom, bathroom, laundry, and garage access--perfect for multigenerational living, visiting family, or guests. (more...

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,056

Principal & Interest: $3,056

Property taxes (est.): $912

Insurance (est.): $397

Estimated Total Monthly

$4,364

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,056

Property taxesest. at asking price, Clay County$912

HOAbilled annually$10

Estimated total, before insurance$3,978/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,088/yr · $841/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

Last sold: $537,900 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$449,530	$398,808	—
2024	$449,493	$399,493	—
2023	$460,563	$460,563	—
2022	$50,000	$50,000	—
2021	$12,000	$12,000	—

2025 property taxes (current owner): $10,088/yr

Estimated taxes if purchased at asking price: ~$10,900/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 2022)

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

Solar potential: ~1,794 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 10, 2026Price change$595,000−$5,000
Jun 28, 2026Listed$600,000

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

Features

Price$595,000

Price / Sq Ft$198

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,008

Total Structure Area3,853 sq ft

Acres0.25 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address3842 Heatherbrook Place, Middleburg, FL 32068

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionGreyhawk

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size10,890 sq ft

Parcel Number18042500795305784

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)