Active·26 days on market
3481 Kindlewood Drive
Middleburg, FL 32068
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.
- • 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
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.
Ask about this homeAs 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
Price & status history
- 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC. · JaxOnlineSales@Pulte.com
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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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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