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Active

Active·3 days on market

3921 Spyglass Hill Lane

Middleburg, FL 32068

$629,500$215/sqftEst. $3,334/moMLS# 2165381

Beds

Baths

2,934

Sq Ft

2021

Built

Garage

Pool

FEMA Zone XHOA $4/mo8,276 sqft lotSingle Family Residence1 story

About this home

Middleburg

Waterfront living meets modern comfort in this beautifully appointed Drees Homes property in the desirable Eagle Landing community. Offering 4 bedrooms, 3 bathrooms, and 2,934 sq ft, this home is designed with thoughtful details, smart technology, and exceptional indoor-outdoor living. Inside, coffered ceilings add architectural interest while custom closets provide stylish and functional storage throughout. The kitchen features granite countertops and opens to the main living spaces, creating an ideal layout for both everyday living and entertaining. Smart-home technology throughout the home includes smart blinds and screens on both the front and rear porches, allowing you to easily control your home's comfort and privacy. The outdoor space is truly a standout. Enjoy relaxing or entertaining on the pavered patio overlooking the water, complete with an outdoor kitchen and swimming jacuzzi with room for up to 10 people.

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$3,334

Property taxesest. at asking price, Clay County$965

HOAbilled annually$4

Estimated total, before insurance$4,302/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,475/yr · $873/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

$629,500

Down Payment: 20%

$125,900

Interest Rate: 6.95%

Loan Term

Monthly Payment

$3,334

Principal & Interest: $3,334

Property taxes (est.): $965

Insurance (est.): $420

Estimated Total Monthly

$4,718

*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 2021)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,341 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): $10,475/yr

Estimated taxes if purchased at asking price: ~$11,600/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 18, 2026Listed$629,500

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

Features

Price$629,500

Price / Sq Ft$215

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,934

Acres0.19 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Traditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3921 Spyglass Hill Lane, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionEagle Landing

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,276.4 sq ft

Parcel Number18042500795306049

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Playground, Tennis Court(s), Trash

Community FeaturesSidewalks, Street Lights

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street, On Street

ViewPond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

Spa FeaturesAbove Ground, Private

Exterior

Exterior FeaturesOutdoor Kitchen

Patio / PorchAwning(s), Covered, Rear Porch, Screened

FencingBack Yard, Wrought Iron

RoofShingle

ConstructionStucco

Road FrontageCity Street

Additional Information

Date ListedSeptember 18, 2026

Days on Market0

HOA Fees$50 / Annually

HOA FrequencyAnnually

Tax Amount$10,475.38

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: LOKATION · jeannette1.sellsrealestate@gmail.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.

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