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Active·30 days on market

3621 County Road 215

Middleburg, FL 32068

$545,000$171/sqftEst. $2,802/moMLS# 2157794

Beds

Baths

3,178

Sq Ft

1977

Built

Garage

Yes

Pool

About this home

Middleburg

Welcome to your own private slice of country living, where space, comfort, and endless possibilities come together. Nestled on nearly 3 acres, this expansive brick estate offers over 3,100 square feet of living space with 5 spacious bedrooms, 3.5 bathrooms, and a dedicated office/flex room, providing plenty of room for growing families, multigenerational living, or those working from home. As you arrive, you'll be welcomed by fresh landscaping, an oversized driveway, and a gated entrance leading to the fully fenced homesite, offering privacy, security, and plenty of space to spread out. The interior has been freshly painted and features tile flooring throughout, creating a clean, low-maintenance living environment with no carpet anywhere in the home. At the heart of the home, you'll find a spacious kitchen complete with granite countertops, ample cabinet space, and a custom-built walk-in pantry featuring beautiful wood shelving, cabinets, and a butcher block countertop, thoughtfully

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,802

Principal & Interest: $2,802

Property taxes (est.): $835

Insurance (est.): $363

Estimated Total Monthly

$4,000

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,802

Property taxesest. at asking price, Clay County$835

Estimated total, before insurance$3,637/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,187/yr · $516/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): $6,187/yr

Estimated taxes if purchased at asking price: ~$10,000/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 A — 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1977)

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: ~1,089 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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