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Active·Listed today

1625 Linda Lakes Lane

Middleburg, FL 32068

$485,000$169/sqftEst. $2,568/moMLS# 2164521
4
Beds
3.5
Baths
2,862
Sq Ft
2017
Built
3
Garage
No
Pool
FEMA Zone XHOA $133/mo9,148 sqft lotSingle Family Residence2 stories

About this home

Middleburg

**1ST FLOOR PRIMARY SUITE**MAJOR UPDATES**NEW AC** Step into effortless luxury with this truly MOVE-IN READY home. This stunning property features MAJOR IMPROVEMENTS throughout, including FRESH PAINT, NEW FLOORING, and a 2 yr old AC. The OPEN LAYOUT creates a bright, inviting atmosphere with spacious rooms and elegant crown molding throughout, and plantation shutters on all downstairs windows. At the heart of the home, the gorgeous kitchen impresses with top of the line stainless steel appliances, upgraded GRANITE countertops, a built-in wine rack, stylish backsplash, two-toned cabinetry, a huge food prep island with a breakfast bar, and a convenient butler's pantry. Designed with a functional SPLIT BEDROOM FLOOR PLAN, the 1st floor primary suite boasts a gorgeous step tray ceiling, soaking tub, spacious walk-in shower, and a walk-in closet. Upstairs, a large LOFT offers versatile space for a second living room, movie room, or home gym. Situated within the GATED COMMUNITY of Linda Lake

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$2,568
Property taxesest. at asking price, Clay County$743
HOAbilled annually$133
Estimated total, before insurance$3,445/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

$485,000
$97,000
Loan Term
Monthly Payment
$2,568
Principal & Interest: $2,568
Property taxes (est.): $743
Insurance (est.): $323
Estimated Total Monthly
$3,635
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,676 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.

History

Price & status history

  • Sep 22, 2026Active$485,000
  • Sep 11, 2026Listed$485,000

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

Features

Price$485,000
Price / Sq Ft$169
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,862
Acres0.21 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesNorthwest

School Information

ElementaryTynes
MiddleWilkinson
HighMiddleburg

Community Information

Address1625 Linda Lakes Lane, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionLinda Lakes
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size9,147.6 sq ft
Parcel Number36042400592000419
ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Playground
Community FeaturesSidewalks, Fishing, Street Lights, Curbs
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
Water SourcePublic
ParkingAttached, Garage, Off Street
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Patio
RoofShingle
ConstructionFiber Cement, Stone
Road SurfacePaved

Additional Information

Date ListedSeptember 22, 2026
Days on Market0
HOA Fees$1,600 / Annually
HOA FrequencyAnnually
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP · offers@chadandsandy.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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