3212 Carlotta Road

• • 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 (that applies to the reference bill above too).

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.

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

• Sep 25, 2026Price change$325,000−$10,000
• Sep 4, 2026Price change$335,000+$334,997
• Sep 4, 2026Listed$3

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

• 

  For Sale

  2916 Stonegate Lane

  Middleburg, FL 32068

  4 bd · 2 ba · 1,868 sq ft

  $324,000Est. $1,724/mo

  Meticulously maintained and move-in ready, this beautifully updated 4-bedroom, 2-bath concrete block home offers the…

  Listing Office: exit inspired real estate

• 

  For Sale

  3505 Steelgate Court

  Middleburg, FL 32068

  4 bd · 2 ba · 1,868 sq ft

  $314,000Est. $1,671/mo

  Beautifully updated 4 bedroom, 2 bath lakefront home featuring 1,868 sq ft, a NEW ROOF, NEW LVP flooring, NEW carpet,…

  Listing Office: coldwell banker vanguard realty

• 

  Pending

  1817 Hearth Street

  Middleburg, FL 32068

  3 bd · 2 ba · 1,528 sq ft

  $300,000Est. $1,597/mo

  This Charmer has been refreshed and is ready for you to make it a home. On 1/3 of an acre, the large fenced in yard has…

  Listing Office: momentum realty

• 

  For Sale

  3374 Talisman Drive

  Middleburg, FL 32068

  4 bd · 2 ba · 1,219 sq ft

  $265,000Est. $1,410/mo

  Move-in ready and packed with updates, this charming 4-bedroom, 2-bath home in the desirable Coppergate community is…

  Listing Office: watson realty corp

• 

  Under Contract

  3083 Zeyno Drive

  Middleburg, FL 32068

  3 bd · 2.5 ba · 1,896 sq ft

  $260,000Est. $1,384/mo

  Listing Office: momentum realty

  in Retreat
• 

  Under Contract

  3479 Lynn Court

  Middleburg, FL 32068

  5 bd · 3 ba · 2,499 sq ft

  $389,999Est. $2,076/mo

  Listing Office: momentum realty

  in Cameron Oaks