Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·52 days on market

3770 Cairo Way

Middleburg, FL 32068

$289,990$181/sqftEst. $1,489/moMLS# 2153379

Beds

Baths

1,598

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Where style meets smart living, discover a new way to feel at home at the District at Oakleaf. Designed for the way you live today, these homes feature spray foam insulation and a Clean Air Home system for lasting comfort and efficiency. At the center, a spacious kitchen island flows effortlessly into the main living area--perfect for gathering, relaxing, and entertaining. Thoughtful finishes include Whirlpool stainless steel appliances, washer and dryer, blinds, quartz or granite countertops, and 42-inch upper cabinets. Stay connected with a smart home package offering front door camera, keyless entry, and thermostat control from your phone. Enjoy resort-style amenities including a cabana and pool (coming soon), play area, and a dog park. Ideally located near NAS Jax with easy access to Oakleaf Town Center for shopping, dining, and entertainment. No CDD fees.

Cost to own

Mortgage calculator

Home Price

$289,990

Down Payment: 20%

$57,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,489

Principal & Interest: $1,489

Property taxes (est.): $444

Insurance (est.): $193

Estimated Total Monthly

$2,127

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,489

Property taxesest. at asking price, Clay County$444

HOAbilled monthly$150

Estimated total, before insurance$2,084/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.

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: Shingle — year not disclosed (home built 2026)

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 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