Coppergate Estates

3505 STEELGATE Ct

Middleburg, FL 32068
For Sale $299,000
Price cut $315,000 ↓ $16,000 (5.1%) Oct 5 · reduced 3×
4 bd · 2 ba · 1,868 sqft · Built 2004
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 COLDWELL BANKER VANGUARD REALTY (CourtneyLooneyRE@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

Beautifully updated 4 bedroom, 2 bath lakefront home featuring 1,868 sq ft, a NEW ROOF, NEW LVP flooring, NEW carpet, and fresh interior and exterior paint - all completed in 2026. The desirable split-bedroom floor plan offers privacy and a functional layout with an eat-in kitchen, separate formal dining room, and spacious living room highlighted by vaulted ceilings and abundant natural light. The primary suite is privately positioned away from the additional bedrooms, making the layout ideal for everyday living, guests, or a home office. Step outside to a spacious backyard with a firepit overlooking the peaceful lake, creating the perfect setting for relaxing evenings or entertaining outdoors. Roof 2026, Water Heater 2024, HVAC 2020. All major improvements completed for your peace of mind!

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 · $10,465
$2,672/mo
Principal & interest$2,017
Property tax (est.)$279
Insurance (est.)$224
FHA MIP$132
HOA dues$19
CDD assessment$0
Cash to close: ~$10,465 down · MIP financed
VA
$0 down
$2,621/mo
Principal & interest$2,098
Property tax (est.)$279
Insurance (est.)$224
VA fee (financed)$0
HOA dues$19
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $59,800
$2,166/mo
Principal & interest$1,643
Property tax (est.)$279
Insurance (est.)$224
PMI$0
HOA dues$19
CDD assessment$0
Cash to close: ~$59,800 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.64% 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 built2004
Heated area1,868 sq ft
Lot size11,546 sq ft
SubdivisionCOPPERGATE ESTATES
Parcel (RE#)32-04-25-008101-046-32
Legal descriptionLOT 153 COPPERGATE UNIT 4-A AS

Valuation · 2025

Value

Just / Market
$300,000
Assessed
$168,613
Taxable
$117,891
2025 Property Tax
$1,936
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 →

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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 3505 STEELGATE Ct?
The zoned public schools for 3505 STEELGATE Ct 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 3505 STEELGATE Ct?
The most recent annual property tax for 3505 STEELGATE Ct is about $1,936 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 3505 STEELGATE Ct?
Homes in Coppergate Estates have an HOA fee of about $229 per year (based on recent MLS listings).
How big is 3505 STEELGATE Ct?
3505 STEELGATE Ct is a 1,868 sq ft home built in 2004 in Coppergate Estates, Clay County, FL.
What would the monthly payment be on 3505 STEELGATE Ct?
At about a 7.32% 30-year rate, the estimated monthly payment for 3505 STEELGATE Ct is roughly $2,166 with a conventional loan (20% down), $2,672 with FHA (3.5% down), or $2,621 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.