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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Active

Active·14 days on market

1325 Murrell Loop

Middleburg, FL 32068

$623,990$241/sqftEst. $3,429/mo mortgageMLS# 2168464
4
Beds
3
Baths
2,594
Sq Ft
2027
Built
3
Garage
No
Pool
FEMA Zone XHOA $147/moSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Fall in love with the Grayton II, a beautifully designed single-story home offering approximately 2,594 sq. ft. of stylish, functional living space. Step inside to soaring ceilings and an open-concept layout made for both everyday living and entertaining. The spacious kitchen flows effortlessly into the dining and family rooms, while a separate media room and versatile flex space offer even more room to work, relax, or play. Retreat to the private primary suite featuring a generous walk-in closet and spa-inspired bath with an oversized shower and seat. Three additional bedrooms provide plenty of space for family and guests. Outside, enjoy covered outdoor living, perfect for relaxing or entertaining. A 3-car garage, paver driveway, front porch, and walkway complete this impressive home. Your dream home is waiting!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,429
Property taxesest. at asking price, Clay County$956
HOAbilled quarterly$147
Estimated total, before insurance$4,533/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

$623,990
$124,798
Loan Term
Monthly Payment
$3,429
Principal & Interest: $3,429
Property taxes (est.): $956
Insurance (est.): $416
Estimated Total Monthly
$4,801
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2027)

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

Solar potential: ~1,360 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 October 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 8, 2026Listed$623,990

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $174/sq ft; this home is listed at $241/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1474 Lantern Light Trail, Middleburg, FL 32068Listed by HOVER GIRL PROPERTIESSep 2026$355,000$1443/2.52,472830.7
1482 Lantern Light Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$460,000$1834/32,517110.7
3971 White Pelican Way, Middleburg, FL 32068Listed by NAVY TO NAVY HOMES LLCSep 2026$330,000$1814/21,822940.9
1721 Foggy Day Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$365,000$1685/32,173690.9
1477 Autumn Pines Drive, Orange Park, FL 32065Listed by REAL BROKER LLCAug 2026$385,000$1743/32,2131671
3737 Eagle Rock Road, Orange Park, FL 32068Listed by MOMENTUM REALTYOct 2026$380,000$1583/22,4071691.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$623,990
Price / Sq Ft$241
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,594
Year Built2027
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address1325 Murrell Loop, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionTyson Forest
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number00796603631

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDisposal
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedOctober 8, 2026
Days on Market0
HOA Fees$442 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: DREES REALTY

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

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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