$495,0004 bd · 3.5 ba · 2,782 sq ft
Active·125 days on market
3432 Kindlewood Drive
Middleburg, FL 32068
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About this home
Middleburg
What if the location you overlooked put you closer to everything you need? Located in Double Branch, this home offers convenient access to the First Coast Expressway, Oakleaf Town Center, NAS Jacksonville, downtown Jacksonville and routes toward St. Augustine. Built by Pulte in 2024, this 4-bedroom, 3.5-bath home offers 2,782 square feet and a floor plan that stands out with a downstairs primary suite, dedicated office, second bedroom with its own en suite and a spacious upstairs bonus room. At the center of the home, the gourmet kitchen features quartz countertops, white cabinetry, a large center island and built-in stainless steel appliances, all open to the main living and dining areas. Luxury vinyl plank flooring connects the spaces, while a two-year-old stainless steel refrigerator, washer and gas dryer are included, giving you fewer things to purchase after closing. The downstairs primary suite provides separation from the secondary living spaces
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2024)
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: ~1,682 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.
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.
Closest park or preserve
Sal Taylor Creek Preserveabout 7 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 5 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 5 mi · Doctors Lake
Closest grocery store
Publixabout 3 mi · 9518 Argyle Forest Blvd, Jacksonville
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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 6:49 AM, sunset 5:33 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $556,900 in June 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $432,429 | $296,704 | — |
| 2024 | $75,000 | $75,000 | — |
| 2023 | $12,000 | $12,000 | — |
2025 property taxes (current owner): $5,459/yr
Estimated taxes if purchased at asking price: ~$8,900/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 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Oct 18, 2026Price change$495,000−$5,000
- Aug 19, 2026Price change$500,000−$10,000
- Jul 23, 2026Price change$510,000−$5,000
- Jul 9, 2026Listed$515,000
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 $186/sq ft; this home is listed at $178/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 997 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $400,000 | $187 | 4/3 | 2,139 | 71 | 0.1 |
| 3473 Kindlewood Drive, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $404,490 | $189 | 4/3 | 2,139 | 49 | 0.1 |
| 921 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $570,990 | $165 | 5/4.5 | 3,459 | 16 | 0.1 |
| 3526 Cedar Preserve Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $398,840 | $186 | 4/3 | 2,139 | 55 | 0.1 |
| 3463 Belen Court, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $399,999 | $160 | 5/3 | 2,500 | 15 | 0.3 |
| 703 Welcome Home Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $390,500 | $158 | 4/2.5 | 2,465 | 46 | 0.6 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
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.
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Krista Fracke
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