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Active·48 days on market

4023 Brick Wall Cove

Middleburg, FL 32068

$529,990$213/sqftEst. $2,829/moMLS# 2159247
Open house Sat, Sep 26 · 1:00 pm–5:00 pm
4
Beds
3
Baths
2,493
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $110/mo11,326 sqft lotWaterfrontSingle Family Residence1 storyNew construction

About this home

Middleburg

Avalon Experience Luxury Living at Jennings Farm Nestled in the desirable gated community of Jennings Farm, the Avalon home offers the perfect blend of modern elegance and comfortable living. With 2,493 square feet of expertly designed space, this 4 bedroom, 3 bathroom home provides ample room for entertaining and growing families. The true heart of the home is the gourmet kitchen, a chef's dream with 42'' cabinets, stunning quartz countertops, and sleek wood-look tile floors. Prepare culinary masterpieces while enjoying the natural light and elegant ambiance. Beyond the chef-inspired kitchen, the open floor plan seamlessly connects the living spaces, creating an inviting atmosphere perfect for memorable gatherings.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,829
Property taxesest. at asking price, Clay County$812
HOAbilled annually$110
Estimated total, before insurance$3,752/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,159/yr · $97/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

$529,990
$105,998
Loan Term
Monthly Payment
$2,829
Principal & Interest: $2,829
Property taxes (est.): $812
Insurance (est.): $353
Estimated Total Monthly
$3,995
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 2026)

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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:18 AM, sunset 7:19 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,159/yr

Estimated taxes if purchased at asking price: ~$9,700/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 18, 2026Price change$529,990+$23,794
  • Aug 8, 2026Listed$506,196

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

Features

Price$529,990
Price / Sq Ft$213
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,493
Total Structure Area3,200 sq ft
Acres0.26 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
New ConstructionYes
Direction FacesEast

School Information

ElementaryMiddleburg
MiddleLake Asbury
HighMiddleburg

Community Information

Address4023 Brick Wall Cove, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionJennings Farm
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size11,325.6 sq ft
Parcel Number07052500907600684
ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground
UtilitiesCable Available, Cable Not Available, Electricity Available, Electricity Connected, Electricity Not Available, Natural Gas Available, Natural Gas Not Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
Waterfront TypeCreek, Pond

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Microwave
HeatingHeat Pump, Natural Gas
CoolingCentral Air, Electric
# of Stories1
LevelsOne and One Half
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Porch
RoofShingle
ConstructionWood Siding
Road SurfacePaved

Additional Information

Date ListedAugust 8, 2026
Days on Market49
HOA Fees$1,320 / Annually
HOA FrequencyAnnually
HOA NameJennings Farm Homeowner’s Association
Tax Amount$1,159.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

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

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20+ years · 500+ closings · NE Florida

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