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Active

Active·72 days on market

2065 Creekmont Drive

Middleburg, FL 32068

$345,000$199/sqftEst. $1,842/moMLS# 2155551
↓ $20,000 below original listOpen house Sat, Sep 26 · 10:00 am–1:00 pm
3
Beds
2
Baths
1,735
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone XHOA $50/mo6,970 sqft lotWaterfrontSingle Family Residence1 story

About this home

Middleburg

Gorgeous 3/2 one story water front home with over 1700 sqft with tons of upgrades. Split bedroom plan. LVP neutral color floors (2022), Solar Attic Fan & Hybrid Water Heater (2024 - Help to reduce energy bills). Office/den/4th bedroom located by Foyer. Open/centrally located Kitchen - updated with refinished cabinets, Butcher Block/Oiled counters & a ceramic Farm Sink. Spacious Family room & convenient Dining area. Master bath has a large walk-in closet - updated with new vanity, lights, sink & huge tiled shower. Interior/exterior painted (2022) & new roof installed (2022). HVAC replaced/upgraded (2017). Open patio & fenced backyard on pretty pond. Spacious two car garage w/opener. Friendly community features a pool, clubhouse, basketball court & food trucks routinely in connected parking lot. Subdivision is serviced by highly rated schools, short drive to Fleming Island shopping, Movie theater & restaurants. Close to main roads to NAS JAX, new Outer connector Toll Road & St Augustine.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,842
Property taxesest. at asking price, Clay County$529
HOAbilled quarterly$50
Estimated total, before insurance$2,420/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,797/yr · $150/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

$345,000
$69,000
Loan Term
Monthly Payment
$1,842
Principal & Interest: $1,842
Property taxes (est.): $529
Insurance (est.): $230
Estimated Total Monthly
$2,600
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,789 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:17 AM, sunset 7:19 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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): $1,797/yr

Estimated taxes if purchased at asking price: ~$6,300/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, 2026Price change$345,000−$10,000
  • Aug 1, 2026Price change$355,000−$10,000
  • Jul 15, 2026Listed$365,000

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

Features

Price$345,000
Price / Sq Ft$199
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,735
Acres0.16 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesWest

School Information

ElementaryDoctors Inlet
MiddleLake Asbury
HighRidgeview

Community Information

Address2065 Creekmont Drive, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionBarrington Estates
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,969.6 sq ft
Lot Dimensions65x110
Parcel Number02052500897000343
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Playground
Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio
FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 15, 2026
Days on Market71
HOA Fees$150 / Quarterly
HOA FrequencyQuarterly
HOA NameDoctors Inlet Reserve HOA/The CAM Team
Tax Amount$1,797.44
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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