Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·9 days on market

3546 Palomino Court

Middleburg, FL 32068

$278,440$195/sqftEst. $1,433/moMLS# 2158780

Beds

Baths

1,427

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Our new floor plan, the Sage townhome offers 1,427 square feet of thoughtfully designed living space with 3 bedrooms, 2.5 baths, and a 1-car garage which is perfect for comfortable, low-maintenance living. This open-concept floor plan is ideal for both everyday life and entertaining. The spacious kitchen features abundant counter space with quarts countertops and a bar that overlooks the gathering room, creating a seamless flow for hosting friends or enjoying family time. Sliding glass doors bring in an abundance of natural light, making the main living area feel bright and welcoming. Upstairs, the primary bedroom includes a generous walk-in closet and a well-appointed bath with beautiful quartz countertops. You'll find two secondary bedrooms along with a private owner's suite designed for relaxation. The additional bathrooms also feature quartz counters, adding a modern and cohesive touch throughout the home. The washer and dryer are also upstairs for convenience.

Cost to own

Mortgage calculator

Home Price

$278,440

Down Payment: 20%

$55,688

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,433

Principal & Interest: $1,433

Property taxes (est.): $427

Insurance (est.): $186

Estimated Total Monthly

$2,045

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,433

Property taxesest. at asking price, Clay County$427

HOAbilled quarterly$125

Estimated total, before insurance$1,985/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.

Solar potential: ~1,742 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