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Active

Active·21 days on market

3473 Kindlewood Drive

Middleburg, FL 32068

$409,490$191/sqftEst. $2,088/moMLS# 2153510

Beds

Baths

2,139

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Discover the highly sought-after Mystique floor plan, featuring inviting coastal-style curb appeal. Inside, a bright and airy open layout unfolds with 4 spacious bedrooms, 3 full baths, and a 2-car garage designed for comfortable everyday living. The gourmet kitchen serves as the true centerpiece, showcasing a full Whirlpool appliance package with cooktop and wood hood, oven and microwave tower, dishwasher, and refrigerator. Additional finishes include stylish quartz countertops, 42-inch white cabinetry, a poetic light grey tile backsplash, and a large island perfect for entertaining or casual dining. Durable luxury vinyl plank flooring extends throughout the main living areas, flowing into an expanded gathering room and out to a covered lanai--ideal for seamless indoor-outdoor living year-round. Additional highlights include 8-foot interior doors, Smart Home package, washer and dryer, blinds, upgraded bathrooms, and more. This home is ready for you!

Cost to own

Mortgage calculator

Home Price

$409,490

Down Payment: 20%

$81,898

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,088

Principal & Interest: $2,088

Property taxes (est.): $628

Insurance (est.): $273

Estimated Total Monthly

$2,988

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,088

Property taxesest. at asking price, Clay County$628

HOAbilled annually$58

Estimated total, before insurance$2,773/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,688/yr · $141/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

Year	Market value	Taxable value	Change
2025	$75,000	$75,000	—
2024	$75,000	$75,000	—
2023	$12,000	$12,000	—

2025 property taxes (current owner): $1,688/yr

Estimated taxes if purchased at asking price: ~$7,500/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 — year not disclosed (home built 2026)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,169 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

Price & status history

Jul 24, 2026Price change$409,490−$4,000
Jul 2, 2026Listed$413,490

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$409,490

Price / Sq Ft$191

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,139

Acres0.15 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

ElementaryTynes

MiddleOakleaf Jr High

HighRidgeview

Community Information

Address3473 Kindlewood Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionDouble Branch

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,534 sq ft

Parcel Number17042500794600473

ZoningResidential

Amenities

AmenitiesDog Park, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Dryer, Electric Range, Gas Range, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup