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Pending

Pending·14 days on market

229 Dolphin Circle

Middleburg, FL 32068

$285,000$154/sqftEst. $1,517/moMLS# 2153406

Beds

Baths

1,848

Sq Ft

2007

Built

—

Garage

Pool

About this home

Middleburg

Move-in ready! This beautifully updated 4-bedroom, 2-bath home offers 1,848 sq. ft. of comfortable living on a private, lightly wooded 1.22-acre lot where you can enjoy peaceful views. Built in 2007 with a new roof (2025), this home features new flooring, new kitchen appliances, a spacious screened-in porch, gutters, sprinkler system and a rv hookup with water. Smart home upgrades include smart lighting, a smart A/C thermostat, smart ceiling fans, and a smart front door lock with Ring doorbell. Conveniently located just minutes from Clay Town Center, you'll enjoy the perfect blend of privacy and easy access to shopping, dining, and everyday conveniences. Don't miss this incredible opportunity--schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,440

Principal & Interest: $1,440

Est. Taxes & Insurance: $360

Estimated Total Monthly

$1,800

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$1,517

Property taxesest. at asking price, Clay County$437

Estimated total, before insurance$1,954/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	$299,544	$115,436	—
2024	$286,219	$110,067	—
2023	$260,000	$103,949	—
2022	$198,009	$98,009	—
2021	$157,552	$143,580	—
2020	$130,528	$130,528	—

2025 property taxes (current owner): $2,603/yr

Estimated taxes if purchased at asking price: ~$5,200/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: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,520 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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