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Active Under Contract

Active Under Contract·57 days on market

4538 Mayflower Street

Middleburg, FL 32068

$360,000$238/sqftEst. $1,963/mo mortgageMLS# 2163178
3
Beds
2
Baths
1,512
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 storyNew construction

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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

New construction! Welcome to your dream home! This stunning 3-bedroom, 2-bathroom residence offers the perfect blend of modern design and country living. Situated on a spacious 1+ acre lot on a peaceful, quiet road, you'll enjoy privacy, space, and freedom - with no HOA restrictions. Plenty of room for your RV's, Boats, and other toys! Step inside to discover a thoughtful floor plan, ideal for both comfort and functionality. The open-concept layout features high-quality finishes, abundant natural light, and generous living areas perfect for entertaining or relaxing.

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$1,963
Property taxesest. at asking price, Clay County$552
Estimated total, before insurance$2,514/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

$360,000
$72,000
Loan Term
Monthly Payment
$1,963
Principal & Interest: $1,963
Property taxes (est.): $552
Insurance (est.): $240
Estimated Total Monthly
$2,754
*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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,603 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.

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

  • Sep 24, 2026Active Under Contract$360,000
  • Sep 2, 2026Listed$360,000

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 $230/sq ft; this home is listed at $238/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4540 Camellia Street, Middleburg, FL 32068Listed by FORWARD REAL ESTATE INVESTMENT GROUP LLCOct 2026$345,000$2173/21,59060.1
2471 Iris Street, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLCJun 2026$395,000$2393/21,651100.3
2265 S Mimosa Avenue, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$380,000$2373/21,602470.4
2351 Daisy Street, Middleburg, FL 32068Listed by REAL BROKER LLCAug 2026$400,000$2214/21,811380.5
2285 Barrage Court, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$217,500$1793/21,215180.6
2414 Daisy Street, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJul 2026$348,000$2303/21,512350.6

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.

Features

Price$360,000
Price / Sq Ft$238
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,512
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address4538 Mayflower Street, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionSection Land
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number16052400595416300

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 3, 2026
Days on Market57
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MAGNOLIA & OAK REAL ESTATE COMPANY 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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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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