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Active

Active·8 days on market

4551 Antelope Street

Middleburg, FL 32068

$380,000$217/sqftEst. $2,023/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

$380,000

Down Payment: 20%

$76,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,023

Principal & Interest: $2,023

Est. Taxes & Insurance: $506

Estimated Total Monthly

$2,528

*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$2,023

Property taxesest. at asking price, Clay County$585

Estimated total, before insurance$2,608/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	$281,702	$166,502	—

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

Estimated taxes if purchased at asking price: ~$7,000/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 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 1986)

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

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

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