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Active

Active·23 days on market

2412 Pemrose Loop

Middleburg, FL 32068

$453,900$239/sqftEst. $2,314/moMLS# 2153590

Beds

Baths

1,896

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

This beautiful four-bedroom, three-bathroom home is all about comfort, style, and room to grow. Designed with your family in mind, it's got great curb appeal and a bright, open feel inside that makes it easy to feel right at home. The Clermont comes with our CompleteHomePlus™ package, so you'll enjoy modern recessed lighting, stainless-steel appliances, sleek quartz countertops, and more. Whether you're hosting the holidays or just kicking back in the spacious master suite, the Clermont is the kind of home you'll love coming back to every day.

Cost to own

Mortgage calculator

Home Price

$453,900

Down Payment: 20%

$90,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,314

Principal & Interest: $2,314

Property taxes (est.): $696

Insurance (est.): $303

Estimated Total Monthly

$3,312

*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$2,314

Property taxesest. at asking price, Clay County$696

HOAbilled monthly$110

Estimated total, before insurance$3,120/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$76,000	$76,000	—
2024	$76,000	$76,000	—

Estimated taxes if purchased at asking price: ~$8,300/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.

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 2, 2026Listed$453,900

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

Features

Price$453,900

Price / Sq Ft$239

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,896

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryMiddleburg

MiddleLake Asbury

HighMiddleburg

Community Information

Address2412 Pemrose Loop, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionJennings Farm

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number07-05-25-009076-006-14

ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Freezer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)