Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$299,000

1264 WINDING BROOK Court, Middleburg, FL 32068

Summerbrook

Price
$299,000
Beds / Baths
3 / 2
Living area
1,438 sqft
Year built
2005
Type
Residential
Lot
0.25 ac
Garage
2
HOA
$31/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
76

Welcome home to the peaceful neighborhood of Summerbrook, where you are just minutes from the toll rd, 5 mins to Oakleaf & barely 25 mins to NAS Jax. This lovely 3/2 home has a newer roof and HVAC with The Air Knight PX5 UV light to clean air, is ozone-free, reduces odors, VOCs, and bacteria.Freas air and an open floor plan not only allows access to the living space from the kitchen, you will enjoy the view your fully fenced beautiful private backyard thanks to the huge custom sliding glass door! Your kitchen is fitted with all stainless steel appliances and new pendent lighting. This home has been updated THROUGHOUT with beautiful ceramic wood like tile, including the bedrooms! So many extra touches to enjoy such as the beautiful stacked stone fireplace. The stacked stone carries from floor to ceiling, adorned by a beautiful wood beam mantle. This stack stone design continues along the entire exterior wall of the custom sliding glass door crea

What to check on this one

  • Verify flood zone designation with FEMA map—unknown status must be confirmed before closing.
  • Obtain roof inspection report and installation date to confirm 'newer' claim and insurer eligibility.
  • Request HVAC maintenance records; Air Knight system warranty and service plan details.
  • Confirm HOA $31/mo covers what; request financials, reserve study, and any pending assessments.
  • Get 4-point inspection quote (roof, HVAC, plumbing, electrical) for insurance underwriting.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,551/mo
Property tax (1.1% eff., Clay Co.)$274/mo
Homeowners insurance (est.)$292/mo
HOA$31/mo
All-in monthly (est.)$2,148/mo

Loan $239,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of M & M LEWIS MURRAY REALTY. Data via realMLS (Northeast Florida MLS), updated Jul 16, 2026, 2:00 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.