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Active

Active·10 days on market

3403 Kindlewood Drive

Middleburg, FL 32068

$496,000$223/sqftEst. $2,529/moMLS# 2155460

Beds

Baths

2,227

Sq Ft

2023

Built

Garage

Pool

About this home

Middleburg

Welcome to this beautifully maintained home, offering traditional-style curb appeal with timeless charm and modern finishes throughout. A paver driveway and professionally applied Rhino Shield exterior coating with black trim and a transferable warranty enhance both the home's appearance and long-term durability. Step inside to a bright, open-concept floor plan featuring 3 spacious bedrooms, 2.5 bathrooms, and a desirable 3-car garage. At the heart of the home, the stunning kitchen is designed to impress with elegant quartz countertops, 42-inch white cabinetry, a large center island perfect for entertaining or casual dining, and plenty of workspace for everyday living. Durable tile plank flooring flows throughout the entire home, seamlessly connecting the expanded gathering room to the covered lanai, creating an ideal space for year-round indoor-outdoor living.

Cost to own

Mortgage calculator

Home Price

$496,000

Down Payment: 20%

$99,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,529

Principal & Interest: $2,529

Property taxes (est.): $760

Insurance (est.): $331

Estimated Total Monthly

$3,620

*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$2,529

Property taxesest. at asking price, Clay County$760

HOAbilled annually$58

Estimated total, before insurance$3,347/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,714/yr · $559/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): $6,714/yr

Estimated taxes if purchased at asking price: ~$9,100/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 2023)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,758 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