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Active

Active·8 days on market

3265 Thunder Road

Middleburg, FL 32068

$625,000$266/sqftEst. $3,210/moMLS# 2159205

Beds

Baths

2,350

Sq Ft

2008

Built

Garage

Pool

About this home

Middleburg

Welcome to this beautiful white farmhouse tucked away at the end of Thunder Road on 3.39 acres. The spacious lot and peaceful setting create a welcoming first impression as you make your way through the gate and up the drive. Inside, the spacious living area flows seamlessly into the upgraded kitchen, featuring quartz countertops and soft-close cabinetry. The primary suite offers plenty of room to unwind with a relaxing garden tub and separate walk-in shower. Thoughtful updates include a brand new HVAC and roof replaced in 2020. Outside, the 60' x 24' oversized shop provides an impressive 1,440 square feet of space for vehicles, equipment, hobbies, recreational toys, or a workshop. With room to spread out and exceptional storage and workspace, this property offers the space and flexibility you've been looking for.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,210

Principal & Interest: $3,210

Property taxes (est.): $958

Insurance (est.): $417

Estimated Total Monthly

$4,584

*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$3,210

Property taxesest. at asking price, Clay County$958

Estimated total, before insurance$4,168/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,310/yr · $192/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): $2,310/yr

Estimated taxes if purchased at asking price: ~$11,500/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.

Hurricane evacuation zone SPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,757 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