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Pending

Pending·13 days on market

2309 Jennings Farm Drive

Middleburg, FL 32068

$694,827$219/sqftEst. $3,543/moMLS# 2154825

Beds

Baths

3,174

Sq Ft

2027

Built

Garage

Pool

About this home

Middleburg

Sample Image Introducing the Avalon II - a stunning new home model that exemplifies modern luxury living. This spacious residence boasts an impressive 2,881 square feet of thoughtfully designed living space, offering the perfect blend of style, comfort, and functionality. One of the standout features is its 4 bedrooms and 3 full bathrooms, providing ample room for families or those who enjoy having dedicated spaces for guests. The open-concept layout seamlessly integrates the living, dining, and kitchen areas, creating an inviting and cohesive environment for entertaining or simply enjoying quality time with loved ones. Beyond its generous square footage and well-appointed rooms, a true showcase of exceptional craftsmanship and attention to detail. From the gourmet kitchen with high-end appliances and quartz countertops to the luxurious bathrooms adorned with premium finishes, every aspect of this home has been designed to elevate your living experience.

Cost to own

Mortgage calculator

Home Price

$694,827

Down Payment: 20%

$138,965

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,543

Principal & Interest: $3,543

Property taxes (est.): $1,065

Insurance (est.): $463

Estimated Total Monthly

$5,071

*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$3,543

Property taxesest. at asking price, Clay County$1,065

HOAbilled annually$110

Estimated total, before insurance$4,718/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,159/yr · $97/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

2025 property taxes (current owner): $1,159/yr

Estimated taxes if purchased at asking price: ~$12,800/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2027)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 10, 2026Listed$694,827

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$694,827

Price / Sq Ft$219

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,174

Total Structure Area3,698 sq ft

Acres0.20 acres

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesEast

School Information

ElementaryMiddleburg

MiddleLake Asbury

HighMiddleburg

Community Information

Address2309 Jennings Farm Drive, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionJennings Farm

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,712 sq ft

Parcel Number07052500907600495

ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground

UtilitiesCable Available, Cable Not Available, Electricity Available, Electricity Connected, Electricity Not Available, Natural Gas Available, Natural Gas Not Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Waterfront TypeCreek, Pond