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Active

Active·15 days on market

2476 Jennings Farm Drive

Middleburg, FL 32068

$459,990$205/sqftEst. $2,345/moMLS# 2154897

Beds

Baths

2,246

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$459,990

Down Payment: 20%

$91,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,345

Principal & Interest: $2,345

Property taxes (est.): $705

Insurance (est.): $307

Estimated Total Monthly

$3,357

*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$2,345

Property taxesest. at asking price, Clay County$705

HOAbilled annually$110

Estimated total, before insurance$3,160/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: ~$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.

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 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$459,990

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

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

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesEast

School Information

ElementaryMiddleburg

MiddleLake Asbury

HighMiddleburg

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)