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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Active Under Contract

Active Under Contract·9 days on market

1184 Surrey Glen

Middleburg, FL 32068

$469,900$277/sqftEst. $2,428/moMLS# 2162056

Beds

Baths

1,695

Sq Ft

1986

Built

Garage

Yes

Pool

About this home

Middleburg

Rarely do you find this much space, privacy and garage capacity in one property! Set on 1.12 acres at the end of a quiet Middleburg cul-de-sac in the sought-after Foxmeadow Equestrian Estates, this 3BR/2BA home offers a flexible bonus room ideal for an office, gym or possible 4th bedroom. Step outside to your own private retreat with a gorgeous in-ground pool, fully fenced backyard and peaceful wooded backdrop. The real showstopper: FIVE garage bays--one attached plus four more in a separate modern garage building--perfect for car enthusiasts, a workshop, hobbies, toys or serious storage. Major updates include HVAC (2020), water heater (approx. 2017), roof (2010), upgraded electrical panel and recently serviced well pump. A hard-to-find property with room to live, work, play and store it all. FREE APPRAISAL WITH PREFERRED LENDER!!

Cost to own

Mortgage calculator

Home Price

$469,900

Down Payment: 20%

$93,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,428

Principal & Interest: $2,428

Property taxes (est.): $720

Insurance (est.): $313

Estimated Total Monthly

$3,462

*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$2,428

Property taxesest. at asking price, Clay County$720

Estimated total, before insurance$3,148/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,132/yr · $178/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): $2,132/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — 2010 per the listing

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

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: ~1,725 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