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·Listed today

1713 Amberly Drive

Middleburg, FL 32068

$375,000$177/sqftEst. $1,934/moMLS# 2157336

Beds

Baths

2,124

Sq Ft

2021

Built

Garage

Pool

About this home

Middleburg

You'll love this well maintained, over 2,000 SF, 3 bed/2 bath home in GreyHawk. It has an open floor plan but with the extra square footage you get a separate dining room and a private sitting room/play space between bedrooms 2 & 3. Wood look tile, quartz countertops, tankless water heater, gas range, 9' ceilings and irrigation system are just a few of the features of this beautiful home. The amenities center is close by and has a resort style pool, play ground, tennis court, basketball court, dog park and gym. Not to mention the elementary school is right around the corner!

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,934

Principal & Interest: $1,934

Property taxes (est.): $575

Insurance (est.): $250

Estimated Total Monthly

$2,759

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,934

Property taxesest. at asking price, Clay County$575

HOAbilled annually$10

Estimated total, before insurance$2,519/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,548/yr · $629/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): $7,548/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,781 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

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