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Active

Active·11 days on market

1998 Lenox Court

Middleburg, FL 32068

$353,500$164/sqftEst. $1,881/moMLS# 2154040

Beds

Baths

2,152

Sq Ft

2003

Built

Garage

Pool

About this home

Middleburg

Welcome Home! This gorgeous home a brand-new: Kitchen, Stainless Steel Appliances, Oven, Range Fan, Sink, Granite Countertops, Luxury Vinyl Floors, Renovated Bathrooms, Carpet, Exterior and Interior paint, A/c (2025), New Plumbing Supply Lines (2025), All New Electrical Components (2025), Water heater (2025), and Roof (2025).Bathrooms have been updated too with new sinks, waterfall faucets and custom countertops. Popular floor plan and you'll love the beautiful Kitchen that features a cooktop and range vent fan. Handsome stone wood-burning fireplace in the spacious and open living room. Also, features a with a Huge yard with an extra storage shed. This home has been completely remodeled and is ready for you!

Cost to own

Mortgage calculator

Home Price

$353,500

Down Payment: 20%

$70,700

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,797

Principal & Interest: $1,797

Est. Taxes & Insurance: $449

Estimated Total Monthly

$2,246

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,881

Property taxesest. at asking price, Clay County$542

HOAbilled annually$35

Estimated total, before insurance$2,459/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$321,416	$201,825	—
2024	$316,850	$195,430	—
2023	$310,411	$188,282	—
2022	$293,539	$181,342	—
2021	$224,604	$174,604	—
2020	$235,854	$118,006	—

2025 property taxes (current owner): $3,310/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,665 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History