Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·11 days on market

5181 Antler Trail

Middleburg, FL 32068

$330,000$145/sqftEst. $1,697/moMLS# 2160606

Beds

Baths

2,280

Sq Ft

2006

Built

—

Garage

Pool

About this home

Middleburg

Welcome to 5181 Antler Trail- 2,280 square feet, 4 bedrooms, 2 bathrooms, TWO living rooms, and 2 high-and-dry, cleared acres where the neighbors aren't sitting on top of you, the HOA isn't sending you letters, and the CDD isn't taking a bite out of your wallet every year. Now we're talking. And we didn't slap some gray paint on the walls, change a few light fixtures, and call this one renovated. We went all out. The big-ticket items? New roof and new HVAC. The kitchen? Completely transformed with new cabinets, quartz countertops, a big island, and new appliances. The primary suite? It's basically its own wing of the house, complete with a private office and a custom built-in electric fireplace because bedrooms deserve a little drama too. The primary bath also got a beautiful new tile shower. Need space to actually LIVE? You've got two separate living rooms, including a main living area with a real wood-burning fireplace. One room for everyone to gather and another for when

Cost to own

Mortgage calculator

Home Price

$330,000

Down Payment: 20%

$66,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,697

Principal & Interest: $1,697

Property taxes (est.): $506

Insurance (est.): $220

Estimated Total Monthly

$2,422

*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$1,697

Property taxesest. at asking price, Clay County$506

Estimated total, before insurance$2,202/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,228/yr · $269/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,228/yr

Estimated taxes if purchased at asking price: ~$6,100/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2006)

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

Solar potential: ~1,624 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

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