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Active Under Contract

Active Under Contract·21 days on market

1775 Amberly Drive

Middleburg, FL 32068

$375,000$185/sqftEst. $1,986/moMLS# 2158584
$10,000 below original list
4
Beds
3
Baths
2,028
Sq Ft
2021
Built
2
Garage
No
Pool
FEMA Zone XHOA $10/mo6,534 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome to this upgraded well-maintained open concept home of 4 bedrooms and 3 full bathrooms with a screened lanai and fenced patio for your outdoor living! Property has stainless steel appliances like Microwave, Dishwasher, Refrigerator and garbage disposal; the range is gas as well as the Dryer; washer/dryer are included. Quartz kitchen countertop with big island, large-size kitchen pantry, water softener and tankless water heater. Tiles flooring on the common areas and bathrooms. All bedrooms with carpets flooring and ceiling fans/lights, the 2 full baths with tubs/showers and the master bathroom with separate garden tub and separate shower, master bedroom with 2 separate walk-in closets. Property has a $25,000 Solar Panels on the Roof that is paid off and tremendously help with Energy Efficiency and Electricity Bill! It also has a Flow Moen System Smart Water Flow! Bring Your Offers!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,986
Property taxesest. at asking price, Clay County$575
HOAbilled annually$10
Estimated total, before insurance$2,571/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,928/yr · $661/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$375,000
$75,000
Loan Term
Monthly Payment
$1,986
Principal & Interest: $1,986
Property taxes (est.): $575
Insurance (est.): $250
Estimated Total Monthly
$2,811
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 2021)

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

Solar potential: ~1,765 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,928/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.

History

Price & status history

  • Sep 17, 2026Active Under Contract$375,000
  • Sep 9, 2026Price change$375,000$10,000
  • Aug 30, 2026Active$385,000
  • Aug 2, 2026Listed$385,000

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

Features

Price$375,000
Price / Sq Ft$185
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,028
Total Structure Area2,028 sq ft
Acres0.15 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StylePatio Home
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryDiscovery Oaks
MiddleOakleaf Jr High
HighOakleaf High School

Community Information

Address1775 Amberly Drive, Middleburg, FL 32068
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionGreyhawk
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,534 sq ft
Lot Dimensions6665
Parcel Number18042500795305550
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Children's Pool, Dog Park, Fitness Center, Jogging Path, Park, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyRoof
ParkingGarage
ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump, Hot Water
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Log
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 30, 2026
Days on Market18
HOA Fees$120 / Annually
HOA FrequencyAnnually
HOA NameGREYHAWK HOMEOWNERS ASSOCIATION
Tax Amount$7,927.89
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP · leny@watsonrealtycorp.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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