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Active

Active·1 day on market

26 Bitterroot Avenue

Middleburg, FL 32068

$405,000$203/sqftEst. $2,156/moMLS# 2155199

Beds

Baths

2,000

Sq Ft

2025

Built

Garage

Pool

About this home

Middleburg

Welcome to your dream home! 3-bed 2-bath 2- car garage located on just over an acre 1.12. The split floor plan offers privacy for the master suite. As you step inside the living area, The open floor plan creates a seamless flow between the living room, dining area, and kitchen. Country living offers a level of privacy and peace that's hard to find elsewhere. NO HOA & NO CDD FEES. Bring all your toys, Boat Rv ATVS. Don't miss the opportunity to make this stunning property your forever home. Conveniently located near shopping centers, schools, parks, and major highways, you'll have easy access to everything you need.

Cost to own

Mortgage calculator

Home Price

$405,000

Down Payment: 20%

$81,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,046

Principal & Interest: $2,046

Est. Taxes & Insurance: $511

Estimated Total Monthly

$2,557

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,156

Property taxesest. at asking price, Clay County$621

Estimated total, before insurance$2,776/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: material not specified — year not disclosed (home built 2025)

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

Solar potential: ~1,235 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History