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Active

Active·41 days on market

3764 Eagle Rock Road

Middleburg, FL 32068

$435,000$186/sqftEst. $2,304/moMLS# 2159845
↓ $5,000 below original list
4
Beds
3
Baths
2,334
Sq Ft
2022
Built
2
Garage
No
Pool
FEMA Zone XHOA $5/mo6,970 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome home to Eagle Landing, where resort-style amenities, an active community, and an exceptional home come together to offer the Florida lifestyle you've been searching for! Built in 2022 and truly better than new, this beautifully maintained 4-bedroom, 3-bath home with a dedicated office has been meticulously cared for by its current owners and is absolutely clean as a whistle. From the moment you step inside, you'll appreciate the bright, open-concept floor plan designed for both everyday living and effortless entertaining. At the heart of the home is a gorgeous chef's kitchen that flows seamlessly into the main living and dining spaces, creating the perfect gathering place for family and friends. With four spacious bedrooms, three full baths, and a separate office, there's plenty of room for everyone to spread out, work from home, host overnight guests, or simply relax. All appliances convey, making your move even easier!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,304
Property taxesest. at asking price, Clay County$667
HOAbilled annually$5
Estimated total, before insurance$2,975/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,707/yr · $809/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$435,000
$87,000
Loan Term
Monthly Payment
$2,304
Principal & Interest: $2,304
Property taxes (est.): $667
Insurance (est.): $290
Estimated Total Monthly
$3,260
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 2022)

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

Likely sewer · Private well (public record)

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,764 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,707/yr

Estimated taxes if purchased at asking price: ~$8,000/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 16, 2026Price change$435,000−$5,000
  • Aug 12, 2026Listed$440,000

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

Features

Price$435,000
Price / Sq Ft$186
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,334
Total Structure Area2,920 sq ft
Acres0.16 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3764 Eagle Rock Road, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionEagle Landing
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,969.6 sq ft
Parcel Number18042500795306454
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Golf Course, Jogging Path, Park, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Exterior

FencingBack Yard
RoofShingle
ConstructionFrame

Additional Information

Date ListedAugust 13, 2026
Days on Market35
HOA Fees$55 / Annually
HOA FrequencyAnnually
Tax Amount$9,706.93
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · Marla@marlanewmangroup.com

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

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20+ years · 500+ closings · NE Florida

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