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Active·22 days on market

1878 Jennings Way

Middleburg, FL 32068

$239,720$171/sqftEst. $1,280/moMLS# 2163345
Open house Sat, Sep 26 · 10:00 am–6:00 pm
3
Beds
2.5
Baths
1,403
Sq Ft
2026
Built
1
Garage
No
Pool
FEMA Zone XHOA $176/moTownhouse2 storiesNew construction

About this home

Middleburg

Desirable Townhomes at Westfield Park move-in -ready homes including Stainless Steel Appliances package with refrigerator, oven, microwave, and dishwasher plus a washer and dryer. Located in Middleburg close to shopping ,dinning, and access to major employers throughout Clay County and Jacksonville. Outdoor destinations like Black Creek , Jennings State Forest offer Kayaking and hiking for adventures. Jacksonville attractions a short drive like Jacksonville Zoo and Gardens, TIAA Bank Field and the St. Johns Town Center. All at affordable pricing.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,280
Property taxesest. at asking price, Clay County$367
HOAbilled monthly$176
Estimated total, before insurance$1,823/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

$239,720
$47,944
Loan Term
Monthly Payment
$1,280
Principal & Interest: $1,280
Property taxes (est.): $367
Insurance (est.): $160
Estimated Total Monthly
$1,807
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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

Price & status history

  • Sep 23, 2026Price change$239,720+$5,730
  • Sep 13, 2026Price change$233,990+$500
  • Sep 3, 2026Listed$233,490

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

Features

Price$239,720
Price / Sq Ft$171
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,403
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleA-Frame
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryTynes
MiddleWilkinson
HighMiddleburg

Community Information

Address1878 Jennings Way, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionWestfield
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number31042500807500912

Amenities

AmenitiesPlayground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Off Street

Interior

Interior FeaturesKitchen Island
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Freezer, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Vinyl
# of Stories2
LevelsTwo
LaundryUpper Level
SecuritySmoke Detector(s)

Exterior

RoofShingle
ConstructionComposition Siding, Fiber Cement

Additional Information

Date ListedSeptember 3, 2026
Days on Market21
HOA Fees$176 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ASHTON WOODS FLORIDA REALTY 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.

Your Local Realtor

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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