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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$365,000

3268 WILDERNESS Circle, Middleburg, FL 32068

Mcrae Landing

Price
$365,000
Beds / Baths
3 / 2
Living area
1,828 sqft
Year built
1989
Type
Residential
Lot
0.53 ac
Garage
2
HOA
$3/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
67
Elementary
Rideout
Middle
Lake Asbury
High school
Middleburg

This 3-bedroom, 2-bath home, built in 1989, offers a fantastic opportunity for buyers seeking both space and privacy. Situated on just over half an acre, the generously sized yard provides a peaceful retreat--large enough to enjoy privacy while remaining easy to maintain. The property features a metal roof and a, work shed with electricity, ideal for hobbies, storage, or a small workshop. Enjoy the convenience of a prime location with quick access to major transportation routes, schools, medical facilities, and shopping. Combining a tranquil setting with everyday practicality, this home offers a wonderful lifestyle in a community you'll love. You can just relax on the front porch and enjoy the surrounding wildlife and nature. which adds to the property's peaceful, country-like charm. The charm continues to the inside with an updated open floor plan, fireplace, split bedrooms and a large bonus room.

What to check on this one

  • Verify roof installation date—metal roof age matters for insurance eligibility.
  • Confirm flood zone via FEMA map; 'unknown' status needs clarification before closing.
  • Get 4-point inspection (roof, HVAC, plumbing, electrical) for 1989 home.
  • Check plumbing material—polybutylene or cast-iron common in 1989; may require replacement.
  • Inspect HVAC age and service records; 37-year-old systems near typical replacement.
  • Verify septic system (if applicable) maintenance history and last pump date.

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$1,894/mo
Property tax (1.1% eff., Clay Co.)$335/mo
Homeowners insurance (est.)$292/mo
HOA$3/mo
All-in monthly (est.)$2,524/mo

Loan $292,000 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 16, 2026, 2:06 AM.

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.