$345,000
3291 CHIMNEY Drive, Middleburg, FL 32068
Villages Of Fireside
- Price
- $345,000
- Beds / Baths
- 4 / 2
- Living area
- 2,100 sqft
- Year built
- 1998
- Type
- Residential
- Lot
- 0.33 ac
- Garage
- 2
- HOA
- $61/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 116
Welcome to this classic 4-bedroom, 2-bath brick home in the charming Villages of Fireside community in the heart of Middleburg. With a fully fenced backyard, there's plenty of room to spread out, entertain, or simply enjoy the Florida outdoors. Villages of Fireside is a hidden gem with beautiful tree-lined streets and a scenic boardwalk with direct access to Black Creek that give this neighborhood a peaceful, tucked-away feel while remaining close to shopping, dining, and everyday conveniences. No CDD fees, and the community allows RV and boat parking at home (per HOA guidelines). The First Coast Expressway is close by making it easy to get around Northeast Florida.*New fence installed June 2026.*
What to check on this one
- Verify roof age and condition; get 4-point inspection if approaching 20 years
- Confirm flood zone designation with FEMA map—Black Creek proximity requires verification
- Review HOA covenants for RV/boat parking rules and enforcement history
- Check plumbing type; polybutylene lines common in 1998—potential insurance/financing issue
- Obtain HVAC service records and confirm system age and remaining lifespan
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
Loan $276,000 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 COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Jul 26, 2026, 3:05 AM.
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