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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$459,0005 bd · 3 ba · 2,782 sq ft

Active·74 days on market

3481 Kindlewood Drive

Middleburg, FL 32068

$459,000$165/sqftEst. $2,502/mo mortgageMLS# 2162120
↓ $19,000 below original list
5
Beds
3
Baths
2,782
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $58/moSingle Family Residence2 storiesNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Welcome to the Whitestone, where classic Traditional-style design meets modern comfort. The inviting exterior sets the tone for a warm and welcoming home, while the interior offers 5 spacious bedrooms, 3 full bathrooms, and a 2-car garage. The upgraded kitchen is designed for both everyday living and entertaining, featuring a new appliance package with refrigerator, sleek quartz countertops, 42'' white cabinetry, a Flow White tile backsplash, and an oversized island. Luxury vinyl plank flooring flows throughout the home, connecting the gathering room to the covered lanai for seamless indoor-outdoor living. Additional highlights include 8-foot interior doors, smart home technology, upgraded Brushed Nickel hardware, 2'' faux wood blinds, an enhanced stair railing, and a washer and dryer. Thoughtfully upgraded throughout, this beautiful home is move-in ready and waiting for you to make it your own.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,502
Property taxesest. at asking price, Clay County$703
HOAbilled quarterly$58
Estimated total, before insurance$3,264/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$459,000
$91,800
Loan Term
Monthly Payment
$2,502
Principal & Interest: $2,502
Property taxes (est.): $703
Insurance (est.): $306
Estimated Total Monthly
$3,512
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2026)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,626 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 9, 2026Price change$459,000−$3,000
  • Sep 24, 2026Price change$462,000−$2,000
  • Sep 18, 2026Price change$464,000−$5,000
  • Sep 10, 2026Price change$469,000−$9,000
  • Aug 27, 2026Listed$478,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $186/sq ft; this home is listed at $165/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3473 Kindlewood Drive, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$404,490$1894/32,139490
921 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$570,990$1655/4.53,459160
997 Rooster Hollow Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$400,000$1874/32,139710.1
3526 Cedar Preserve Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$398,840$1864/32,139550.1
3463 Belen Court, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$399,999$1605/32,500150.2
703 Welcome Home Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$390,500$1584/2.52,465460.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$459,000
Price / Sq Ft$165
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,782
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryTynes
MiddleOakleaf Jr High

Community Information

Address3481 Kindlewood Drive, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionDouble Branch
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number17042500794600471
ZoningResidential

Amenities

AmenitiesDog Park, Jogging Path, Park, Playground
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewOther

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 27, 2026
Days on Market74
HOA Fees$174 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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