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Active

Active·9 days on market

3977 Pondside Court

Middleburg, FL 32068

$475,000$179/sqftEst. $2,422/moMLS# 2155693

Beds

Baths

2,654

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

Better than new and ready to move right in! This Lennar Medallion Plan from the Classic Collection includes luxury features and access to resort style amenities in the Greyhawk community. The open layout was thoughtfully designed with an expansive main living area centrally located, and the bedrooms on three different wings - all on one single level. High ceilings create a grand entry that leads into the light and bright atmosphere. You will love the open-concept of the main living areas where you will find the integrated rooms are a perfect space to gather with family and friends. The kitchen is a chef's delight, boasting a gas cooktop, stainless appliances, ample cabinetry, and a spacious center island that doubles as a breakfast bar. This is where meal prep transforms into an experience, with room for everyone to gather, whether it's a weekend brunch or a holiday feast. A large primary bedroom with ensuite bathroom will beacon you to relax in the evening and provide a spa like

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $728

Insurance (est.): $317

Estimated Total Monthly

$3,466

*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$2,422

Property taxesest. at asking price, Clay County$728

HOAbilled annually$10

Estimated total, before insurance$3,160/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,458/yr · $788/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): $9,458/yr

Estimated taxes if purchased at asking price: ~$8,700/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 2022)

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

Solar potential: ~1,761 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

Price & status history

Jul 16, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$179

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,654

Acres0.20 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3977 Pondside Court, Middleburg, FL 32068

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionGreyhawk

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,712 sq ft

Parcel Number18042500795305759

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne