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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$399,000

3479 LYNN Court, Middleburg, FL 32068, Middleburg, FL 32068

Cameron Oaks

Price
$399,000
Beds / Baths
5 / 3
Living area
2,499 sqft
Year built
2020
Type
Residential
Lot
0.29 ac
Garage
2
HOA
$55/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
118
Elementary
Tynes
Middle
Wilkinson
High school
Oakleaf High School

$160/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 12% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Some homes just make life feel a little easier the moment you arrive. This Cameron Oaks home starts with an inviting outdoor space and continues inside with bright, flexible living areas designed to fit the way life actually happens. Step outside and you'll find an expansive backyard with plenty of room for pets, play, gardening, or simply enjoying the Florida sunshine. A raised planter-box garden gives you a head start on creating your own backyard oasis. The screened garage, complete with an epoxy-coated floor, adds a clean, finished touch, while solar panels will be fully paid off at closing. And there's no CDD fees. Inside, natural light fills the main living areas, creating a bright and welcoming feel. The spacious floor plan gives everyone room to spread out, with a versatile first-floor flex room ready to become a home office, playroom, hobby space, or private retreat. A downstairs bedroom adds flexibility for guests or multi-generational living. At the heart of the home, the kitchen features crisp white cabinetry, a large pantry, and plenty of storage. Its open connection to the living area makes it easy to stay part of the conversation, whether you're entertaining friends or enjoying a quiet evening at home. Upstairs, you'll find additional bedrooms, a generous loft that can serve as a second living area, media room, or game space, plus a conveniently located laundry room. The primary suite offers a comfortable retreat at the end of the day, with a spacious layout and private bath featuring dual sinks. Conveniently located near shopping, dining, and everyday conveniences in Middleburg and the Oakleaf area, Cameron Oaks offers the space, flexibility, and comfort you've been looking for. Move-in ready and thoughtfully maintained, this home is ready for its next chapter.

What to check on this one

  • Verify solar panel lease terms and ensure full payoff transfer at closing.
  • Confirm flood zone designation with Clay County Property Appraiser; get elevation certificate if needed.
  • Review HOA docs for rental restrictions and any pending special assessments.
  • Inspect roof condition and get insurance quote given 2020 build age.
  • Walk the home with inspector to verify HVAC and major systems are functioning.

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$2,070/mo
Property tax (1.1% eff., Clay Co.)$366/mo
Homeowners insurance (est.)$292/mo
HOA$55/mo
All-in monthly (est.)$2,783/mo

Loan $319,200 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 MOMENTUM REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 27, 2026, 7:00 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.