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Active

Active·9 days on market

4737 Javeline Circle

Middleburg, FL 32068

$459,000$334/sqftEst. $2,443/moMLS# 2152866

Beds

Baths

1,374

Sq Ft

1990

Built

Garage

Pool

About this home

Middleburg

Welcome to the property that gives you what so many buyers are searching for but rarely find--space, privacy, and the freedom to truly enjoy your land. Nestled on 1.18 beautifully wooded acres, this well-maintained 3-bedroom, 2-bath home is the perfect blend of peaceful country living and everyday convenience. A gated entrance, circular driveway, mature trees, and abundant parking create a welcoming first impression. Inside, vaulted ceilings and a cozy wood-burning fireplace make the living area feel warm, open, and inviting. The functional layout is designed for comfortable everyday living as well as entertaining family and friends. Outside is where this property truly shines. The impressive 30x40 metal workshop, oversized two-car garage, covered carport, and ample parking provide endless possibilities for hobbies, storage, RVs, boats, trailers, or a home-based business. With no HOA and plenty of room to add a pool, or simply enjoy t

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,443

Principal & Interest: $2,443

Est. Taxes & Insurance: $611

Estimated Total Monthly

$3,054

*Estimates based on 30-year loan at 7% APR. 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$2,443

Property taxesest. at asking price, Clay County$707

Estimated total, before insurance$3,150/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	$295,835	$244,414	—

2025 property taxes (current owner): $3,889/yr

Estimated taxes if purchased at asking price: ~$8,500/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 921 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: material not specified — year not disclosed (home built 1990)

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

Solar potential: ~1,448 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