978 ROOSTER HOLLOW WAY, MIDDLEBURG, FL, 32068
Active87 days on marketListed May 8, 2026MLS #O6406410
About this home
978 ROOSTER HOLLOW WAY
Skip the builder wait and the extra expense! Immaculate 2-year-old home with a fully fenced backyard - perfect for entertaining, gardening, or giving pets room to play. Welcome to this beautifully maintained, 2-year-old home in a desirable community with NO CDD fees and a low HOA, offering the perfect blend of comfort, space, and peaceful surroundings! Skip the builder wait and the extra expense! This move-in ready home features a stunning kitchen, updated interior lighting, a spacious screened-in patio, and a fully fenced backyard--perfect for entertaining, gardening, or giving pets room to play. Situated on a .21-acre lot with tranquil lake and preserve views, you'll enjoy privacy and relaxation every day. The versatile floor plan includes a downstairs bedroom and full bath, ideal for guests or multigenerational living. Upstairs, you'll find the primary suite, an additional bedroom, and a spacious loft perfect for a home office, playroom, or second living area and an screened patio!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,695
Sqft
0.21 ac
Lot size
3
Garage
2024
Year built
Two
Levels
$157
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,287 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,287/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+20.7%
$/sqft vs Middleburg actives
$157 vs $183
Days on market
87 vs 24 typical
Where $157/sqft sits among the 11 Middleburg actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Middleburg
Get to know Middleburg. See the full Middleburg guide →
MIDDLEBURG 32068 — neighborhood snapshot
Population
58,196
Median age
38.2
Median income
$82,410
Median home value
$264,300
Avg household
2.81
Households w/ children
7,692
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Middleburg market
$371K → $470K
Middleburg median sold, yr/yr
99.3%
Sale-to-list ratio (12 mo)
3 of 11
Middleburg actives have cut their price
Median sold price, Middleburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 112% above the MIDDLEBURG 32068 median. See the full Middleburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 978 ROOSTER HOLLOW WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$363,000
3522 CEDAR PRESERVE LANE · same community
4 bd · 2 ba · 1,775 sqft · $205/sqft · 0 DOM
Sold · Jun ’26$475,000
3414 GOLDEN EYE DRIVE
5 bd · 3 ba · 3,553 sqft · $134/sqft · 0 DOM
Sold · May ’26$475,000
3513 BELSTEAD WAY
5 bd · 3 ba · 3,553 sqft · $134/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 978 ROOSTER HOLLOW WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 978 ROOSTER HOLLOW WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
978 ROOSTER HOLLOW WAY FAQs
What would the monthly payment be for 978 ROOSTER HOLLOW WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,287/mo — principal and interest, the actual property-tax bill, the $58/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 978 ROOSTER HOLLOW WAY?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 978 ROOSTER HOLLOW WAY?+
The most recent tax bill on record (2025) was $8,670. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 978 ROOSTER HOLLOW WAY?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Middleburg?+
At $579,900, this home is listed about 103% above the Middleburg median of $285,072. The market section on this page shows how the area is trending.
Which schools are assigned to 978 ROOSTER HOLLOW WAY?+
Coppergate Elementary School (elementary), Middleburg High School (high), Lake Asbury Junior High School (middle) — Clay County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$579,900 runs 112% above the MIDDLEBURG 32068 median — but at 3,695 sqft it's also nearly twice the size of the typical Middleburg listing.
02Time on market is leverage
87 days on market against a Middleburg median of 24 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Coppergate Elementary School, Middleburg High School, Lake Asbury Junior High School — Lake Asbury Junior High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $599,000, now $579,900 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DOGWOOD REALTY · Elaine Samaan. MLS #O6406410.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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