Greyhawk

3956 Cloverdale Ct

Middleburg, FL 32068
For Sale $339,900
3 bd · 2 ba · 1,735 sqft · Built 2022
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 BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY (homesbystephanie@aol.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

Practically new construction with lots of upgrades! As you enter you will love the tile floors that flow through the main living areas. First find the flex room that would make a great dining room or office. Then flow to the beautifully upgraded kitchen with quartz counters, farm sink, and tons of cabinet & counter space. There's a breakfast bar for quick bites and a table space for more formal meals. The kitchen opens into the large family room. The Primary bedroom is a good size and the attached bathroom has dual sinks, soaking tub & separate shower. The guest bedrooms are split from the master and share the guest bathroom. Out back enjoy the afternoon from your screened lanai or get sun on the extended patio overlooking a fenced yard and peaceful pond. All this plus the great Greyhawk amenities including pool, playground, tennis court & fitness center! Don't miss this great home!

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 · $11,897
$3,280/mo
Principal & interest$2,293
Property tax (est.)$314
Insurance (est.)$255
FHA MIP$150
HOA dues$10
CDD assessment$259
Cash to close: ~$11,897 down · MIP financed
VA
$0 down
$3,222/mo
Principal & interest$2,385
Property tax (est.)$314
Insurance (est.)$255
VA fee (financed)$0
HOA dues$10
CDD assessment$259
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $67,980
$2,705/mo
Principal & interest$1,868
Property tax (est.)$314
Insurance (est.)$255
PMI$0
HOA dues$10
CDD assessment$259
Cash to close: ~$67,980 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.58% effective millage, plus actual HOA & CDD. 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 built2022
Heated area1,735 sq ft
Lot size7,560 sq ft
SubdivisionGREYHAWK
Parcel (RE#)18-04-25-007953-057-25
Legal descriptionLOT 414 GREYHAWK UNIT 3 AS REC

Valuation · 2025

Value

Just / Market
$350,000
Assessed
$295,208
Taxable
$229,486
2025 Property Tax
$3,616
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
$120 / Annually
CDD Assessment
$3,102 / Annually

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

Elementary (zoned)
Middle (zoned)
High (zoned)

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 Greyhawk? 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 Greyhawk 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 Greyhawk

Other active MLS listings in Greyhawk.

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 3956 Cloverdale Ct?
The zoned public schools for 3956 Cloverdale Ct in Greyhawk are Discovery Oaks Elementary (elementary), Oakleaf Junior High (middle), Oakleaf High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 3956 Cloverdale Ct?
The most recent annual property tax for 3956 Cloverdale Ct is about $3,616 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 3956 Cloverdale Ct have a CDD fee?
Yes. 3956 Cloverdale Ct is in Greyhawk, a Community Development District (CDD) with an assessment of approximately $3,102 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 3956 Cloverdale Ct?
Homes in Greyhawk have an HOA fee of about $120 per year (based on recent MLS listings).
How big is 3956 Cloverdale Ct?
3956 Cloverdale Ct is a 1,735 sq ft home built in 2022 in Greyhawk, Clay County, FL.
What would the monthly payment be on 3956 Cloverdale Ct?
At about a 7.32% 30-year rate, the estimated monthly payment for 3956 Cloverdale Ct is roughly $2,705 with a conventional loan (20% down), $3,280 with FHA (3.5% down), or $3,222 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Greyhawk HOA and CDD assessment. 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.