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Active

Active·21 days on market

2475 Oleander Avenue

Middleburg, FL 32068

$284,900$157/sqftEst. $1,463/moMLS# 2158305

Beds

Baths

1,810

Sq Ft

2006

Built

—

Garage

Pool

About this home

Middleburg

Charming 4-bedroom, 2-bath home nestled on a serene 1.63-acre corner lot in the desirable Middleburg area. Built in 2006, this spacious home features a desirable open floor plan with a spacious island overlooking large welcoming living room and formal dining area. Generously sized bedrooms provide plenty of space, while the primary suite offers a spacious bath with a relaxing garden tub and separate walk-in shower. Recent updates include a newer roof and newer HVAC system for added peace of mind. Additional highlights include an inside laundry room with convenient access to the oversized carport. With plenty of room to expand, garden, or create your dream outdoor oasis, this property offers endless possibilities. Enjoy the privacy and freedom of country living with no HOA while remaining just minutes from shopping, dining, schools, and convenient access to Blanding Boulevard.

Cost to own

Mortgage calculator

Home Price

$284,900

Down Payment: 20%

$56,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,463

Principal & Interest: $1,463

Property taxes (est.): $437

Insurance (est.): $190

Estimated Total Monthly

$2,090

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,463

Property taxesest. at asking price, Clay County$437

Estimated total, before insurance$1,900/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,371/yr · $364/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): $4,371/yr

Estimated taxes if purchased at asking price: ~$5,200/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: material not specified — year not disclosed (home built 2006)

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

Septic system (public record) · 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: ~1,599 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