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Active

Active·16 days on market

2259 Indigo Avenue

Middleburg, FL 32068

$265,900$148/sqftEst. $1,367/moMLS# 2160168

Beds

Baths

1,800

Sq Ft

1999

Built

—

Garage

Pool

About this home

Middleburg

Welcome to 2259 Indigo Avenue, where space, privacy, and comfortable Florida living come together on approximately 1.14 acres in Middleburg. This 3-bedroom, 2-bath home offers 1,800 square feet of finished living space with a fireplace that adds warmth and character. Outside, you'll appreciate the generous homesite and additional storage building, providing plenty of room for everyday needs and outdoor enjoyment. With no mandatory homeowners association disclosed by the seller, this property offers added flexibility and room to make the space your own. Come discover the possibilities this Middleburg property has to offer.

Cost to own

Mortgage calculator

Home Price

$265,900

Down Payment: 20%

$53,180

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,367

Principal & Interest: $1,367

Property taxes (est.): $408

Insurance (est.): $177

Estimated Total Monthly

$1,952

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,367

Property taxesest. at asking price, Clay County$407

Estimated total, before insurance$1,774/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 A — 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1999)

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: ~1,613 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