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

1 / 31

Active

Active·3 days on market

2211 Albury Court

Middleburg, FL 32068

$324,900$150/sqftEst. $1,679/moMLS# 2161771

Beds

Baths

2,162

Sq Ft

1980

Built

—

Garage

Yes

Pool

About this home

Middleburg

Sold As-ls and ready for your vision! This home sits on a nice-sized fully fenced lot with an in-ground pool and NO HOA or CDD. Public records show 1,438 sq ft, but the converted garage adds approximately 484 sq ft and includes a laundry room plus 2 additional bedrooms. The enclosed Florida room adds approximately 240 sq ft and is serviced by central heat and air, bringing the total usable space to approximately 2,162 sq ft. Features include 2 skylights, an estimated 2021 roof, storage shed, and a 10x20 workshop with electric. The pool needs a new vinyl liner, and the home would benefit from cosmetic updating. Great opportunity for a buyer looking for extra space, a large yard, and the ability to make the home their own.

Cost to own

Mortgage calculator

Home Price

$324,900

Down Payment: 20%

$64,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,679

Principal & Interest: $1,679

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,393

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,679

Property taxesest. at asking price, Clay County$498

Estimated total, before insurance$2,177/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,065/yr · $255/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): $3,065/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water · Clay County Utilities

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

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

Solar potential: ~1,727 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 September 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

Sep 2, 2026Active$324,900
Aug 25, 2026Listed$324,900

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

Features

Price$324,900

Price / Sq Ft$150

Bedrooms5

Bathrooms2.00

Full Baths2

Square Footage2,162

Acres0.21 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Direction FacesWest

School Information

ElementarySwimming Pen Creek

MiddleLake Asbury

HighFleming Island

Community Information

Address2211 Albury Court, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionOrange Park South

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size9,147.6 sq ft

Parcel Number41-05-26-008823-00

ZoningPUD

Amenities

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)