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Active

Active·8 days on market

4059 Inglewood Drive

Middleburg, FL 32068

$444,999$181/sqftEst. $2,285/moMLS# 2159483

Beds

Baths

2,460

Sq Ft

1979

Built

Garage

Pool

About this home

Middleburg

Welcome to this charming Middleburg retreat nestled on a spacious lot surrounded by nature and privacy. This inviting home offers a comfortable layout with 3 bedrooms, 2 bathrooms, and plenty of room to enjoy everyday living. Features include a cozy fireplace, a well-appointed kitchen, and inviting indoor and outdoor spaces perfect for relaxing or entertaining. The expansive property provides endless possibilities for outdoor activities, gardening, storage, or creating your own private oasis. Conveniently located near local schools, shopping, dining, and outdoor recreation, this home offers the perfect blend of peaceful country living and everyday convenience. Don't miss the opportunity to make this unique property your own!

Cost to own

Mortgage calculator

Home Price

$444,999

Down Payment: 20%

$89,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,285

Principal & Interest: $2,285

Property taxes (est.): $682

Insurance (est.): $297

Estimated Total Monthly

$3,264

*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$2,285

Property taxesest. at asking price, Clay County$682

Estimated total, before insurance$2,967/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — year not disclosed (home built 1979)

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

Likely septic · 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: ~1,600 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