Coppergate Estates

3212 CARLOTTA Rd

Middleburg, FL 32068
For Sale $325,000
Price cut $335,000 ↓ $10,000 (3%) Sep 25
3 bd · 2 ba · 1,868 sqft · Built 2002
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of DUAL STATE REAL ESTATE INC (emilymartin.realtor@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome home to this charming 3-bedroom, 2-bath property offering plenty of space and flexibility for everyday living and entertaining. With two separate living areas, two dining spaces, and an additional nook, this home provides endless possibilities for creating the layout that works best for you.
Whether you need a home office, playroom, reading area, or extra gathering space.

The spacious floor plan feels open and inviting, with room for everyone to spread out comfortably. Step outside and enjoy your own backyard retreat featuring an above-ground pool, perfect for cooling off on warm Florida days or hosting friends and family.

With its versatile layout, generous living spaces, and backyard pool, this home is full of charm and ready for its next owner!

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $11,375
$2,925/mo
Principal & interest$2,192
Property tax (est.)$326
Insurance (est.)$244
FHA MIP$144
HOA dues$19
CDD assessment$0
Cash to close: ~$11,375 down · MIP financed
VA
$0 down
$2,870/mo
Principal & interest$2,281
Property tax (est.)$326
Insurance (est.)$244
VA fee (financed)$0
HOA dues$19
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $65,000
$2,375/mo
Principal & interest$1,786
Property tax (est.)$326
Insurance (est.)$244
PMI$0
HOA dues$19
CDD assessment$0
Cash to close: ~$65,000 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.73% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2002
Heated area1,868 sq ft
Lot size6,928 sq ft
SubdivisionCOPPERGATE ESTATES
Parcel (RE#)32-04-25-008101-044-12
Legal descriptionLOT 12 COPPERGATE UNIT 3-A AS

Valuation · 2025

Value

Just / Market
$325,000
Assessed
$122,230
Taxable
$71,508
2025 Property Tax
$1,238
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$229 / Annually
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Coppergate Estates? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Coppergate Estates every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Coppergate Estates

Other active MLS listings in Coppergate Estates.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 3212 CARLOTTA Rd?
The zoned public schools for 3212 CARLOTTA Rd in Coppergate Estates are Coppergate Elementary School (elementary), Lake Asbury Junior High School (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 3212 CARLOTTA Rd?
The most recent annual property tax for 3212 CARLOTTA Rd is about $1,238 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 3212 CARLOTTA Rd?
Homes in Coppergate Estates have an HOA fee of about $229 per year (based on recent MLS listings).
How big is 3212 CARLOTTA Rd?
3212 CARLOTTA Rd is a 1,868 sq ft home built in 2002 in Coppergate Estates, Clay County, FL.
What would the monthly payment be on 3212 CARLOTTA Rd?
At about a 7.32% 30-year rate, the estimated monthly payment for 3212 CARLOTTA Rd is roughly $2,375 with a conventional loan (20% down), $2,925 with FHA (3.5% down), or $2,870 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Coppergate Estates HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.