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Active

Active·9 days on market

4785 Gopher Circle

Middleburg, FL 32068

$620,000$210/sqftEst. $3,184/moMLS# 2160036

Beds

Baths

2,950

Sq Ft

2027

Built

Garage

Pool

About this home

Middleburg

Custom To-Be-Built Masterpiece on 2.17 Private Acres. Buyer can choose finishes. Welcome to your dream home -- a stunning to-be-built custom residence offering 5 bedrooms, 5 bathrooms, & a rare 5-car garage, set on a private 2.17-acre homesite with NO hoa or cdd. Step inside to modern colors and designer finishes throughout. The gourmet kitchen is the heart of the home, featuring crisp shaker cabinetry, an oversized island with extra storage, a built-in outlet, and seating for casual dining. Stainless steel appliances and elegant quartz countertops complete the space, which flows seamlessly into a separate formal dining room and opens to the expansive family room -- perfect for everyday living and entertaining alike. Durable luxury vinyl tile flooring runs throughout, paired with abundant storage closets for effortless organization. Each bathroom continues the upscale feel with stunning quartz countertops. Home will have electric & gas. Buyer can choose electric or gas stove.

Cost to own

Mortgage calculator

Home Price

$620,000

Down Payment: 20%

$124,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,184

Principal & Interest: $3,184

Property taxes (est.): $950

Insurance (est.): $413

Estimated Total Monthly

$4,548

*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$3,184

Property taxesest. at asking price, Clay County$950

Estimated total, before insurance$4,134/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 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 2027)

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

Solar potential: ~1,434 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Price & status history

Aug 13, 2026Listed$620,000

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

Features

Price$620,000

Price / Sq Ft$210

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage2,950

Acres2.17 acres

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

Property ConditionTo Be Built

StatusActive

# of Garages5

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address4785 Gopher Circle, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionMiddleburg

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size94,525.2 sq ft

Parcel Number32052400669881500

ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories2

LevelsTwo

LaundryIn Unit, Sink

SecuritySmoke Detector(s)