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Active

Active·14 days on market

2198 Windward Cay Lane

Middleburg, FL 32068

$257,000$151/sqftEst. $1,310/moMLS# 2156625

Beds

Baths

1,707

Sq Ft

2024

Built

Garage

Pool

About this home

Middleburg

Welcome to 2198 Windward Cay Ln in the heart of Middleburg- an impeccably maintained home that truly shows better than new. From the moment you arrive, you'll notice the thoughtful upgrades and pride of ownership throughout. Recent enhancements include a stylish front storm door, updated cabinet knobs, and beautiful adjustable vertical sliding panels that add both elegance and functionality to the living space. Inside, the home feels light, bright, and airy, creating a warm and inviting atmosphere. Ceiling fans have been installed in every room, as well as on the outdoor patio, ensuring year-round comfort both indoors and out. Perfectly tucked away on a private road, this property offers a peaceful setting while still being conveniently located near shopping, dining, and everyday amenities. This is the ideal blend of comfort, style, and location- don't miss your opportunity to make it yours.

Cost to own

Mortgage calculator

Home Price

$257,000

Down Payment: 20%

$51,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,310

Principal & Interest: $1,310

Property taxes (est.): $394

Insurance (est.): $171

Estimated Total Monthly

$1,876

*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$1,310

Property taxesest. at asking price, Clay County$394

HOAbilled monthly$177

Estimated total, before insurance$1,881/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,982/yr · $332/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): $3,982/yr

Estimated taxes if purchased at asking price: ~$4,700/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 2024)

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

Solar potential: ~1,713 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 22, 2026Listed$257,000

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

Features

Price$257,000

Price / Sq Ft$151

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,707

Acres0.05 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address2198 Windward Cay Lane, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionLong Bay

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size2,178 sq ft

Parcel Number37052400677900259

ZoningResidential

Amenities

AmenitiesPark, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Range, Freezer, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryUpper Level