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Active

Active·59 days on market

4551 Antelope Street

Middleburg, FL 32068

$369,000$210/sqftEst. $1,897/moMLS# 2153075

Beds

Baths

1,754

Sq Ft

1986

Built

Garage

Pool

About this home

Middleburg

Welcome to your own slice of country living! Situated on approximately 1.28 acres with no HOA, this beautifully maintained property offers the perfect blend of comfort, functionality, and room to grow. Inside, you'll find a spacious split-bedroom floor plan featuring vaulted ceilings, a stunning floor-to-ceiling stone fireplace, fresh interior paint, and **two versatile bonus rooms**--perfect for a home office, playroom, gym, hobby space, or guest accommodations. The kitchen has been refreshed with **brand-new LG Smart stainless steel appliances (installed March 2026)**, including a refrigerator, Smart range, Smart air fryer/microwave, and Smart dishwasher, bringing modern convenience to the heart of the home.

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,897

Principal & Interest: $1,897

Property taxes (est.): $566

Insurance (est.): $246

Estimated Total Monthly

$2,709

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,897

Property taxesest. at asking price, Clay County$565

Estimated total, before insurance$2,463/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,059/yr · $255/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: $356,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$281,702	$166,502	—
2024	$273,064	$161,103	—
2023	$259,771	$259,771	—
2022	$227,773	$190,899	—
2021	$173,545	$173,545	—
2020	$152,543	$77,811	—

2025 property taxes (current owner): $3,059/yr

Estimated taxes if purchased at asking price: ~$6,800/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: material not specified — year not disclosed (home built 1986)

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

Septic system (public record) · 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: ~1,342 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