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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·53 days on market

4059 Inglewood Drive

Middleburg, FL 32068

$434,999$177/sqftEst. $2,381/moMLS# 2159483
↓ $10,000 below original list
3
Beds
2
Baths
2,460
Sq Ft
1979
Built
2
Garage
No
Pool
FEMA Zone AENo HOA4.00 acresSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$2,381
Property taxesest. at asking price, Clay County$667
Estimated total, before insurance$3,048/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$434,999
$87,000
Loan Term
Monthly Payment
$2,381
Principal & Interest: $2,381
Property taxes (est.): $667
Insurance (est.): $290
Estimated Total Monthly
$3,338
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:24 AM, sunset 7:06 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

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.

History

Price & status history

  • Sep 15, 2026Price change$434,999−$10,000
  • Aug 14, 2026Active$444,999
  • Aug 10, 2026Listed$444,999

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

Features

Price$434,999
Price / Sq Ft$177
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,460
Acres4.00 acres
Year Built1979
TypeResidential
Sub-TypeSingle Family Residence
StyleStilt
StatusActive
# of Garages2
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

School Information

ElementaryShadowlawn
MiddleLake Asbury
HighClay

Community Information

Address4059 Inglewood Drive, Middleburg, FL 32068
Area144-Middleburg-SE
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size174,240 sq ft
Parcel Number01062400679800304
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Carport, Detached
ViewTrees/Woods

Interior

AppliancesElectric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Road SurfaceDirt

Additional Information

Date ListedAugust 14, 2026
Days on Market38
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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.

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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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