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Pending

$459,990Pending4 bd · 3 ba · 2,246 sq ft

Pending·119 days on market

2476 Jennings Farm Drive

Middleburg, FL 32068

$459,990$205/sqftEst. $2,508/mo mortgageMLS# 2154897
4
Beds
3
Baths
2,246
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $110/mo8,712 sqft lotWaterfrontSingle Family Residence2 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Sample ImageThis stunning home boasts 4 bedrooms and 3 baths, offering both space and style. The spacious kitchen is a chef's dream, with an optional gourmet upgrade and an open design that overlooks the dining area, perfect for family meals and entertaining. The inviting living room opens to a charming lanai, bringing in natural light and providing a peaceful space for relaxation. The primary bedroom is a luxurious retreat, featuring not one, but two walk-in closets, along with a large primary bath for ultimate comfort. With thoughtful details throughout, this home provides the ideal balance of elegance and functionality for modern living. **Photos are representative of the Stonehurst floor plan.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,508
Property taxesest. at asking price, Clay County$705
HOAbilled annually$110
Estimated total, before insurance$3,323/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$459,990
$91,998
Loan Term
Monthly Payment
$2,508
Principal & Interest: $2,508
Property taxes (est.): $705
Insurance (est.): $307
Estimated Total Monthly
$3,519
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2026)

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

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.

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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:46 AM, sunset 5:36 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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

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

Estimated taxes if purchased at asking price: ~$8,500/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, NEFMLS.

History

Price & status history

  • Sep 9, 2026Pending$459,990
  • Jul 10, 2026Listed$459,990

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 $193/sq ft; this home is listed at $205/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2491 Jennings Farm Drive, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$531,990$1934/32,754790
2418 Jennings Farm Drive, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$415,000$1894/32,1901250.1
2238 Brannings Sawmill Court, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$419,340$1465/42,8741110.1
3983 Gareys Ferry Way, Middleburg, FL 32068Listed by LGI REALTY - FLORIDA, LLCSep 2026$420,000$2274/21,8476370.2
2333 Jennings Farm Drive, Middleburg, FL 32068Listed by KELLER WILLIAMS FIRST COAST REALTYSep 2026$576,857$2314/32,49300.3
2140 Tom Thumb Road, Middleburg, FL 32068Listed by WATSON REALTY CORPSep 2026$335,000$1913/21,757560.8

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.

Features

Price$459,990
Price / Sq Ft$205
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,246
Total Structure Area2,949 sq ft
Acres0.20 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes
Direction FacesEast

School Information

ElementaryMiddleburg
MiddleLake Asbury

Community Information

Address2476 Jennings Farm Drive, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionJennings Farm
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size8,712 sq ft
Parcel Number07052500907600435
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

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave
HeatingHeat Pump, Natural Gas
CoolingCentral Air, Electric
# of Stories2
LevelsOne
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Porch
RoofShingle
ConstructionWood Siding
Road SurfacePaved

Additional Information

Date ListedJuly 10, 2026
Days on Market119
HOA Fees$1,320 / Annually
HOA FrequencyAnnually
HOA NameJennings Farm Homeowner’s Association
Tax Amount$1,159.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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