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Active·7 days on market

3551 Cedar Preserve Lane

Middleburg, FL 32068

$524,000$151/sqftEst. $2,702/moMLS# 2157986

Beds

Baths

3,459

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Experience the thoughtfully designed Yorkshire floor plan featuring a charming Craftsman elevation, 5 bedrooms, 3.5 bathrooms, a spacious upstairs loft, two versatile living areas, and a 2-car garage. Luxury vinyl plank flooring flows throughout the main living spaces, creating a stylish and durable foundation for everyday living. The gourmet kitchen is beautifully appointed with quartz countertops, white cabinetry, stainless steel appliances, and a white horizontal offset tile backsplash, all overlooking the open gathering room and covered lanai for seamless indoor-outdoor living. Upstairs, the private owner's suite provides a relaxing retreat, while the spacious secondary bedrooms and flexible loft offer plenty of room for family, guests, or a home office. Thoughtful finishing touches, including 8-foot interior doors, brushed nickel hardware, 2-inch faux wood blinds, floor outlets, and beautifully appointed bathrooms, complete this well-designed home.

Cost to own

Mortgage calculator

Home Price

$524,000

Down Payment: 20%

$104,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,702

Principal & Interest: $2,702

Property taxes (est.): $803

Insurance (est.): $349

Estimated Total Monthly

$3,855

*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$2,702

Property taxesest. at asking price, Clay County$803

HOAbilled annually$58

Estimated total, before insurance$3,563/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.

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 2026)

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

Likely septic

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: ~1,741 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 August 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

Aug 5, 2026Price change$524,000−$4,000
Jul 31, 2026Listed$528,000

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

Features

Price$524,000

Price / Sq Ft$151

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,459

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTynes

MiddleOakleaf Jr High

HighRidgeview

Community Information

Address3551 Cedar Preserve Lane, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionDouble Branch

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number17042500794600532

ZoningResidential

Amenities

AmenitiesDog Park, Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOther

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Disposal, Gas Oven, Gas Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup