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Active

Active·3 days on market

4679 Pine Lake Drive

Middleburg, FL 32068

$400,000$135/sqftEst. $2,063/moMLS# 2158464

Beds

Baths

2,969

Sq Ft

2010

Built

Garage

Pool

About this home

Middleburg

Welcome to this spacious and thoughtfully designed home that blends comfort, functionality and natural views. This lovely 2 story home with downstairs bedroom with full bath and whole house water softener system can be used for guest access, multi-generational living or long term flexibility to age in place without climbing the stairs. Step outside to fully fenced backyard where you can enjoy peaceful pond and preserve views. Upstairs, retreat to the spacious owner's suite with en-suite bath featuring dual vanities, relaxing garden tub, separate shower room,toilet room and an oversized walk-in closet. Home is very close to its resort style amenities such as swimming pool, children splash area, fitness center, basketball courts, pickleball courts, tennis courts, playground, dog park , nature trails and clubhouse. Come and check this out!

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,063

Principal & Interest: $2,063

Property taxes (est.): $613

Insurance (est.): $267

Estimated Total Monthly

$2,942

*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$2,063

Property taxesest. at asking price, Clay County$613

HOAbilled annually$7

Estimated total, before insurance$2,683/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,094/yr · $508/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): $6,094/yr

Estimated taxes if purchased at asking price: ~$7,400/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 2010)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,789 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 4, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$135

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,969

Acres0.14 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address4679 Pine Lake Drive, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,098.4 sq ft

Parcel Number30042500806900820

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, On Street

ViewPond, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryUpper Level