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

1 / 26

Active Under Contract

Active Under Contract·2 days on market

1991 Eclipse Drive

Middleburg, FL 32068

$294,900$201/sqftEst. $1,524/moMLS# 2162817

Beds

Baths

1,465

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Middleburg

Welcome home to this move-in-ready 3-bedroom, 2-bath home located in a desirable non-HOA community close to everything Fleming Island has to offer, including shopping, dining, parks, medical facilities, top-rated schools, and convenient access to major roadways and NAS Jacksonville. The beautifully updated kitchen was remodeled in 2026 and features top-of-the-line stainless steel appliances, along with soft-close cabinets and drawers. Luxury vinyl plank flooring flows throughout most of the home, and the washer and dryer are included. The spacious floor plan offers split bedrooms and a family room with a vaulted ceiling. The owner's suite features two closets and a private bath with a tub/shower combination. Both secondary bedrooms are generously sized, and the guest bathroom has also been remodeled. Step outside to your private backyard retreat featuring lush tropical landscaping, a brand-new above-ground pool perfect for hot summer days, and a pergola grilling area. The fully

Cost to own

Mortgage calculator

Home Price

$294,900

Down Payment: 20%

$58,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,524

Principal & Interest: $1,524

Property taxes (est.): $452

Insurance (est.): $197

Estimated Total Monthly

$2,172

*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$1,524

Property taxesest. at asking price, Clay County$452

Estimated total, before insurance$1,976/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.

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: material not specified — year not disclosed (home built 1998)

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

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: ~1,769 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