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Active

Active·16 days on market

3432 Kindlewood Drive

Middleburg, FL 32068

$510,000$183/sqftEst. $2,600/moMLS# 2154460

Beds

Baths

2,782

Sq Ft

2024

Built

Garage

Pool

About this home

Middleburg

Why wait to build when you can move into a home that's practically brand new? Built by Pulte in 2024 in the Double Branch community, this beautifully designed 4-bedroom, 3.5-bath home offers 2,782 square feet of thoughtfully designed living space, including a dedicated office and a spacious upstairs bonus room designed to adapt to your lifestyle. The gourmet kitchen opens effortlessly to the main living areas, where luxury vinyl plank flooring and an open-concept layout create the perfect backdrop for everyday living and entertaining alike, and includes a two-year-old stainless steel refrigerator, washer, and gas dryer. The primary suite offers a private en suite bath, while a second upstairs bedroom also enjoys its own en suite, ideal for guests, in-laws, or multigenerational living. The upstairs bonus room also comes with a sound system valued at $2,000. Step outside to a covered lanai and fully fenced backyard, made even more spacious by the home's corner homesite.

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,600

Principal & Interest: $2,600

Property taxes (est.): $782

Insurance (est.): $340

Estimated Total Monthly

$3,722

*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$2,600

Property taxesest. at asking price, Clay County$782

HOAbilled quarterly$60

Estimated total, before insurance$3,442/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,459/yr · $455/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: $556,900 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
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: ~$9,400/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 (2024), 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 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.

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 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.

Features

Price$510,000

Price / Sq Ft$183

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,782

Acres0.20 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSoutheast

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address3432 Kindlewood Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionDouble Branch

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,712 sq ft

Parcel Number17042500794600503

Amenities

AmenitiesDog Park, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup