Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 27

Active Under Contract

Active Under Contract·53 days on market

4620 Burdock Court

Middleburg, FL 32068

$449,900$249/sqftEst. $2,313/moMLS# 2154012

Beds

Baths

1,809

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

LOCATED IN THE HIGHLY DESIRABLE BLACK CREEK PARK, THIS WONDERFUL NEW CONSTRUCTION CUSTOM BUILT HOME IS SITUATED ON A BEAUTIFUL 1.14 ACRE LOT, WITH 4 BEDROOMS AND 2 BATHROOMS, GORGEOUS KITCHEN WITH 42'' SHAKER STYLE CABINETS, FULL STAINLESS STEEL APPLIANCE PACKAGE (FRIDGE WITH ICE & WATER, OTR MICROWAVE, DISHWASHER, & SMOOTH TOP RANGE) BEAUTIFUL QUARTZ COUNTERTOPS THROUGHOUT, KITCHEN OVERLOOKS LARGE FAMILY ROOM, GORGEOUS BATHROOMS, HIGHBOY VANITIES, WALK IN CLOSETS, ARCHITECTURAL ROOF, IRRIGATION SYSTEM, LARGE FRONT AND REAR PORCH, HARDI SIDING EXTERIOR, LUXURY VINYL PLANK FLOORING THROUGHOUT, VERY ENERGY EFFICIENT. NEW WELL AND SEPTIC SYSTEM, GREAT LOCATION ON 1.14 ACRE HIGH AND DRY LOT, NO FLOOD ZONE, DEAD END STREET WITH NO THRU TRAFFIC, THE NEIGHBORHOOD IS AMAZING AND ONLY MINUTES TO EVERYTHING. THERE'S NOTHING LIKE A BRAND NEW HOME

Cost to own

Mortgage calculator

Home Price

$449,900

Down Payment: 20%

$89,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Property taxes (est.): $689

Insurance (est.): $300

Estimated Total Monthly

$3,302

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,313

Property taxesest. at asking price, Clay County$689

Estimated total, before insurance$3,002/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.

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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,715 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