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Active

Active·9 days on market

3604 Whisper Creek Boulevard

Middleburg, FL 32068

$499,000$127/sqftEst. $2,664/moMLS# 2164586

Beds

Baths

3,940

Sq Ft

2005

Built

Garage

Pool

FEMA Zone XHOA $25/mo9,583 sqft lotSingle Family Residence2 stories

About this home

Middleburg

Seller accepting offers thru 10/7/26 Looking for space, style, and flexibility without compromising comfort? 3604 Whisper Creek delivers all three! This home is impressive!. huge living space, giving you plenty of room to spread out, entertain, work from home, and make memories. Soaring ceilings and an open floor plan create a bright, inviting atmosphere, while the updated kitchen features ample cabinetry and generous counter space--perfect for entertaining and impressing your friends and family. The first-floor bedroom and full bath provide excellent flexibility for guests, multigenerational living, or a home office. Upstairs, enjoy a spacious primary suite and additional bedrooms designed to fit your lifestyle. Enjoy a great area for walks and bike rides, with schools and shopping conveniently close by and easy access to major highways for a smooth commute around town. Thoughtful updates throughout make this home truly move-in ready.

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$2,664

Property taxesest. at asking price, Clay County$765

HOAbilled annually$25

Estimated total, before insurance$3,454/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,863/yr · $405/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

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,664

Principal & Interest: $2,664

Property taxes (est.): $765

Insurance (est.): $333

Estimated Total Monthly

$3,761

*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: material not specified — year not disclosed (home built 2005)

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: ~1,774 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

Year	Market value	Taxable value	Change
2025	$516,388	$284,778	—
2024	$508,324	$276,045	—
2023	$502,500	$266,549	—
2022	$463,588	$257,330	—
2021	$350,776	$248,379	—
2020	$329,766	$244,260	—

2025 property taxes (current owner): $4,863/yr

Estimated taxes if purchased at asking price: ~$9,200/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 (2025), NEFMLS.

History

Price & status history

Sep 17, 2026Active$499,000
Sep 10, 2026Listed$499,000

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

Features

Price$499,000

Price / Sq Ft$127

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,940

Acres0.22 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3604 Whisper Creek Boulevard, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionWhisper Creek

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size9,583.2 sq ft

Parcel Number29042500806401054

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

ConstructionStucco

Additional Information

Date ListedSeptember 17, 2026

Days on Market0

HOA Fees$300 / Annually

HOA FrequencyAnnually

Tax Amount$4,862.85

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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

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