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Active

Active·11 days on market

1968 Tomahawk Drive

Middleburg, FL 32068

$410,000$182/sqftEst. $2,189/moMLS# 2163606
4
Beds
2
Baths
2,250
Sq Ft
2007
Built
2
Garage
No
Pool
FEMA Zone XHOA $42/mo12,632 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome to 1968 Tomahawk Drive, where spacious living meets a peaceful waterfront setting! This beautifully maintained 4-bedroom, 2-bath home offers approximately 2,250 square feet of thoughtfully designed living space with upgrades throughout. Step inside to find 9-foot ceilings, beautiful flooring, and a spacious kitchen featuring granite countertops, double ovens, an island, upgraded cabinetry and millwork, and an inviting eat-in area with a bay window. The primary suite offers a spacious retreat with a large walk-in closet and beautifully appointed bath featuring custom tile and a built-in vanity. The split-bedroom floor plan provides added privacy and flexibility for family, guests, or a home office. The real showstopper is out back! Enjoy peaceful water views from the climate-controlled sunroom or step outside onto the large double patio with plenty of room for grilling, entertaining, relaxing, or simply sitting back and enjoying the view. This outdoor space truly extends the

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$2,189
Property taxesest. at asking price, Clay County$628
HOAbilled semi-annually$42
Estimated total, before insurance$2,859/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,641/yr · $387/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$410,000
$82,000
Loan Term
Monthly Payment
$2,189
Principal & Interest: $2,189
Property taxes (est.): $628
Insurance (est.): $273
Estimated Total Monthly
$3,090
*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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2007)

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: ~1,732 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,641/yr

Estimated taxes if purchased at asking price: ~$7,500/yr

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.

History

Price & status history

  • Sep 14, 2026Active$410,000
  • Sep 2, 2026Listed$410,000

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

Features

Price$410,000
Price / Sq Ft$182
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,250
Acres0.29 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1968 Tomahawk Drive, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionWoodbridge
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size12,632.4 sq ft
Parcel Number03052500898700125

Amenities

UtilitiesCable Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewLake

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringMarble, Tile, Wood
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchGlass Enclosed, Patio, Screened
RoofShingle
ConstructionStucco

Additional Information

Date ListedSeptember 14, 2026
Days on Market0
HOA Fees$250 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$4,641.46
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY · taquilla@rcregroup.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.

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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