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Active

Active·25 days on market

2235 Strawberry Creek Lane

Middleburg, FL 32068

$549,000$190/sqftEst. $2,799/moMLS# 2152979

Beds

Baths

2,885

Sq Ft

1997

Built

Garage

Pool

About this home

Middleburg

This traditional Southern Brick home sits on an acre overlooking a canal leading into deep water Black Creek and then the world. Step inside the front door to the sweeping grand staircase and soaring ceiling heights. Over 2800 sq. ft. and each bedroom enjoys additional large living and or storage areas. Hardwood floors, in the Foyer, Great Room, Den, and Dining Room. Solid surface countertops, double ovens and cooktop with large walk-in pantry in the kitchen open to the dining area. Covered front and back porches to enjoy the sweeping lawn and waterfront views. Separate room and bath with exterior access not included in sq. footage. This large homesite slopes down to the canal. Extensive circular driveway with plenty of room for boat or RV parking. Two additional 1 acre lots also available. WOOD IN GREAT ROOM IS ACCLIMATING TO HOME. WOOD FLOOR TO BE REPAIRED.

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,799

Principal & Interest: $2,799

Property taxes (est.): $841

Insurance (est.): $366

Estimated Total Monthly

$4,007

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,799

Property taxesest. at asking price, Clay County$841

Estimated total, before insurance$3,641/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,502/yr · $375/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	$600,965	$261,139	—
2024	$576,121	$253,072	—
2023	$565,164	$244,245	—
2022	$470,704	$235,675	—
2021	$388,465	$227,355	—
2020	$356,202	$223,526	—

2025 property taxes (current owner): $4,502/yr

Estimated taxes if purchased at asking price: ~$10,100/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone NPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

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

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~712 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

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