Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active·6 days on market

4296 Banks Road

Middleburg, FL 32068

$495,000$427/sqftEst. $2,524/moMLS# 2156690

Beds

Baths

1,160

Sq Ft

1996

Built

Garage

Pool

About this home

Middleburg

OPEN HOUSE on Sat-July 25th from 12pm to 2pm! Super RARE OPPORTUNITY to own this secluded WATERFRONT OASIS along BLACK CREEK in Middleburg! Nestled on 1.11 acres with an impressive 365 feet of direct water frontage, this property offers extreme privacy in a serene nature setting that is truly a peaceful escape. The elevated main living space is located entirely upstairs, perfectly framing stunning nature views from every direction. Inside, you will find a bright, open floor plan that connects the main living areas, which feature durable luxury vinyl plank flooring and carpet in the bedrooms. This level hosts 3 bedrooms and 2 full bathrooms, including a primary suite complete with a private bath, walk-in shower, walk-in closet, and French doors leading to spacious, covered porch that overlooks Black Creek, providing the perfect vantage point for morning coffee or evening relaxation. The ground level opens up to a massive recreational hub heated and cooled by the upstairs thermostat.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,524

Principal & Interest: $2,524

Property taxes (est.): $759

Insurance (est.): $330

Estimated Total Monthly

$3,612

*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$2,524

Property taxesest. at asking price, Clay County$759

Estimated total, before insurance$3,282/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,160/yr · $347/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): $4,160/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone NPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 1996)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,656 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