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 Under Contract

Active Under Contract·41 days on market

79 Melanie Lane

Middleburg, FL 32068

$325,000$164/sqftEst. $1,673/moMLS# 2153746

Beds

Baths

1,976

Sq Ft

2021

Built

—

Garage

Pool

About this home

Middleburg

Let's get the obvious out of the way first: yes, it's a 4-bedroom, 2-bath home with 1,976 square feet built in 2021. Now let's talk about what actually makes this property special. Good lawd, this land. Sitting on 2.26 high-and-dry cleared acres, you've got room to breathe, room to play, room for animals, toys, projects, gardens, and all the things people move to the country for in the first place. A few fruit trees are already sprinkled throughout the property, giving it that little extra touch of Florida charm. And the house? It's move-in ready with brand-new luxury vinyl plank flooring throughout and a fresh coat of paint from top to bottom, giving it a clean, modern feel before you even unpack your first box. All major systems are 5 years young. Big decks matter. Morning coffee, evening sunsets, backyard BBQs-this one delivers. Need extra space? We've got that too. The property features an approximately 360-square-foot heated and cooled outbuilding with electricity already

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,673

Principal & Interest: $1,673

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,387

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,673

Property taxesest. at asking price, Clay County$498

Estimated total, before insurance$2,171/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,259/yr · $438/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

Last sold: $330,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$323,025	$320,131	—
2024	$291,029	$291,029	—
2023	$268,888	$0	—
2022	$213,672	$0	—
2021	$44,236	$0	—
2020	$149,919	$5,388	—

2025 property taxes (current owner): $5,259/yr

Estimated taxes if purchased at asking price: ~$6,000/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 2021)

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

Likely septic · 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: ~1,631 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 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