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Active

$403,0003 bd · 3 ba · 2,139 sq ft

Active·128 days on market

856 Rooster Hollow Way

Middleburg, FL 32068

$403,000$188/sqftEst. $2,197/mo mortgageMLS# 2153516
↓ $6,000 below original list
3
Beds
3
Baths
2,139
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $58/mo6,098 sqft lotSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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 3 spacious bedrooms, 3 full baths, a work-from-home den with a dropped soffit, and a 2-car garage designed for comfortable everyday living. The kitchen stands as the true centerpiece, showcasing a full Whirlpool appliance package with slide-in range, microwave, dishwasher, and refrigerator. Additional finishes include stylish quartz countertops, 42-inch white cabinetry, a crayon white tile backsplash, and a large island ideal 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--perfect 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,197
Property taxesest. at asking price, Clay County$618
HOAbilled annually$58
Estimated total, before insurance$2,873/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$403,000
$80,600
Loan Term
Monthly Payment
$2,197
Principal & Interest: $2,197
Property taxes (est.): $618
Insurance (est.): $269
Estimated Total Monthly
$3,083
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,677 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

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$7,400/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.

History

Price & status history

  • Nov 5, 2026Price change$403,000−$1,000
  • Sep 24, 2026Price change$404,000−$5,000
  • Jul 2, 2026Listed$409,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $171/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3473 Kindlewood Drive, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$404,490$1894/32,139490.1
3459 Lynn Court, Middleburg, FL 32068Listed by SPECTRUM REALTY SERVICESOct 2026$299,000$1614/21,856120.2
997 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$400,000$1874/32,139710.2
3309 New Beginnings Lane, Middleburg, FL 32068Listed by RE/MAX SPECIALISTSOct 2026$280,000$1713/2.51,637510.3
703 Welcome Home Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$390,500$1584/2.52,465460.5
3445 Golden Eye Drive, Orange Park, FL 32073Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$439,990$1614/42,7281100.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$403,000
Price / Sq Ft$188
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,139
Acres0.14 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryTynes
MiddleOakleaf Jr High

Community Information

Address856 Rooster Hollow Way, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionDouble Branch
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,098.4 sq ft
Parcel Number17042500794600547
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

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Dryer, Gas Oven, 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

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 2, 2026
Days on Market128
HOA Fees$696 / Annually
HOA FrequencyAnnually
Tax Amount$1,687.57
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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