Active·24 days on market
3978 Gareys Ferry Way
Middleburg, FL 32068
About this home
Middleburg
The Four Winds by LGI Homes -- and it delivers. 5 bedrooms. 2.5 bathrooms. First-floor primary suite with double-sink vanity and walk-in shower. Open-concept family room. Chef-ready kitchen with stainless Whirlpool® appliances. First-floor den. Upstairs game room. Covered back patio. Gated community. $3 million amenity center. Pool. Pickleball. No CDD fees. A-rated schools. Right off HWY 21 for an easy commute to NAS Jax and downtown Jacksonville. Black Creek boat ramp around the corner. Zero down. Closing costs fully paid. Rate buydown available.* This is the one the whole family fits in. *For those who qualify with builder's preferred lender.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $76,000 | $76,000 | — |
| 2024 | $76,000 | $76,000 | — |
2025 property taxes (current owner): $1,159/yr
Estimated taxes if purchased at asking price: ~$8,700/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 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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
- Jun 30, 2026Listed$470,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Jennings Farm
Active$470,900MLS# 2075726Est. $2,506/mo2118 Black Glass Place, Middleburg, FL 320685 Beds2 Baths2,446 sqftIntroducing the Four Winds by LGI Homes, a beautifully crafted two-story residence featuring 4 bedrooms and 2.5…
ResidentialLGI REALTY - FLORIDA, LLC
Active$459,990MLS# 2154897Est. $2,448/mo2476 Jennings Farm Drive, Middleburg, FL 320684 Beds3 Baths2,246 sqftSample ImageThis stunning home boasts 4 bedrooms and 3 baths, offering both space and style. The spacious kitchen is a…
ResidentialOLYMPUS EXECUTIVE REALTY, INC
Active$453,900MLS# 2153590Est. $2,416/mo2412 Pemrose Loop, Middleburg, FL 320684 Beds3 Baths1,896 sqftThis beautiful four-bedroom, three-bathroom home is all about comfort, style, and room to grow. Designed with your…
ResidentialLGI REALTY - FLORIDA, LLC
Active$451,990MLS# 2147812Est. $2,406/mo2254 Brannings Sawmill Court, Middleburg, FL 320683 Beds2 Baths2,213 sqftFleming II . Stunning 3 Bedroom, Flex space 2 Bath, and 2 Car Garage Welcome to your dream home! This spacious 2213…
ResidentialOLYMPUS EXECUTIVE REALTY, INC
Keep looking
Similar homes in Middleburg
Active$553,990MLS# 2143377Est. $2,949/mo2238 Brannings Sawmill Court, Middleburg, FL 320685 Beds4 Baths2,874 sqftResidentialOLYMPUS EXECUTIVE REALTY, INC- Active$451,990MLS# 2147812Est. $2,406/mo2254 Brannings Sawmill Court, Middleburg, FL 320683 Beds2 Baths2,213 sqftResidentialOLYMPUS EXECUTIVE REALTY, INC
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines