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Active Under Contract

Active Under Contract·6 days on market

3074 Nautilus Road

Middleburg, FL 32068

$435,000$201/sqftEst. $2,304/moMLS# 2163881
4
Beds
3
Baths
2,164
Sq Ft
1987
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $24/mo15,682 sqft lotSingle Family Residence1 story

About this home

Middleburg

Welcome to this full-brick pool home on a spacious corner lot in an established neighborhood with 4 bedrooms, 3 full baths, and an open floor plan, this home offers the ideal Florida lifestyle. The vaulted great room creates cozy gathering space, while French doors open to the lanai and heated pool for seamless indoor-outdoor living. The split-bedroom layout provides privacy, including a separate in-law suite with direct lanai and pool access--perfect for guests, extended family, or a private retreat. The spacious primary suite features a large tiled shower and double doors opening to the pool area. Outside, enjoy a fully fenced backyard with an open-air heated pool and generous green space for children and pets, vegetable gardening, or simply relaxing outdoors.Conveniently located near schools, shopping, restaurants, medical facilities, and everyday amenities, this versatile home combines privacy, comfort, and relaxed Florida living.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,304
Property taxesest. at asking price, Clay County$667
HOAbilled annually$24
Estimated total, before insurance$2,994/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,690/yr · $224/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

$435,000
$87,000
Loan Term
Monthly Payment
$2,304
Principal & Interest: $2,304
Property taxes (est.): $667
Insurance (est.): $290
Estimated Total Monthly
$3,260
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 1987)

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: ~1,101 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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): $2,690/yr

Estimated taxes if purchased at asking price: ~$8,000/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 22, 2026Active Under Contract$435,000
  • Sep 17, 2026Active$435,000
  • Sep 6, 2026Listed$435,000

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

Features

Price$435,000
Price / Sq Ft$201
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,164
Acres0.36 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive Under Contract
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated
Is WaterfrontNo
Direction FacesNorth

School Information

ElementarySwimming Pen Creek
MiddleLakeside
HighFleming Island

Community Information

Address3074 Nautilus Road, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionDoctors Landing
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size15,681.6 sq ft
Parcel Number36042500831000127
ZoningSingle Family

Amenities

UtilitiesCable Connected
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPool

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDryer, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
Window FeaturesSkylight(s)

Exterior

FencingBack Yard
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 17, 2026
Days on Market5
HOA Fees$290 / Annually
HOA FrequencyAnnually
HOA NameDoctors Landing HOA
Tax Amount$2,689.91
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · amhouck@comcast.net

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

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