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1855 MOORINGS Circle, Middleburg, FL, 32068

5beds
4baths
3,806sqft
$715,000
$188price/sqft
$5,345/moest. monthly cost
$213,800/yrincome needed

About This Home

The spacious primary suite is conveniently located on the first floor. This private retreat features two generous walk-in closets, an oversized walk-in shower, and stunning dual-sided marble vanities. A guest bedroom and full bath are also located downstairs, offering flexibility for visitors. The kitchen is complete with granite countertops, a stone backsplash, a walk-in pantry, and 2022 stainless steel refrigerator and microwave. Wood flooring flows throughout the entire first floor, with replaced carpet upstairs, complemented by plantation shutters throughout the home and tile in all bathrooms. Upstairs, you'll find additional well-sized bedrooms, including a charming fifth bedroom featuring a Romeo balcony with peaceful lake view. Updates including a 2021 roof, 2023 water heater, 2023 exterior paint, and 2026 interior paint touch-ups, 10x50 screened patio and new pavers, both completed in 2025. Additional features include a wide-set, deep 3-car garage, 2 attics & 2 AC units.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

7/10
7/10
Fleming Island High SchoolGrades PK,9-122.8 mi

Construction

Condition

  • Year built: 2005

Materials

  • Roof: Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Cooktop,Electric Oven,Gas Water Heater,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Lower Level,Sink,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Breakfast Bar,Butler Pantry,Ceiling Fan(s),Central Vacuum,Guest Suite,His and Hers Closets,In-Law Floorplan,Kitchen Island,Primary Bathroom -Tub with Separate Shower,Master Downstairs,Split Bedrooms,Walk-In Closet(s)
  • Window features: Skylight(s)
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Multi Units

Interior Area

  • Total interior livable area: 3,806 sqft

Property

Details

  • Parcel number: 36042500831100120

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Rear Porch,Screened
  • Fencing: Back Yard

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Coastal Flooding
Hurricane
Inland Flooding
Tornado
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,615$43,380
Home Insurance *$487$5,844
Property Taxes $860$10,320
Electricity $383$4,596
Total$5,345$64,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,257/yr
40% on housing$160,350/yr
45% on housing$142,533/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 32068$159
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32068$192
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-21Price change$725,000
2026-02-27Listed for sale$734,900
2017-04-21Sold$408,000
2017-03-05Pending sale$429,900
2017-01-02Listed for sale$429,900
2012-12-27Sold$408,000

For Sale by Agent

AgentHOLLIE RANEE SIMMONS
BrokerageGAILEY ENTERPRISES LLC

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