Active·766 days on market
1030 Discovery Drive
Middleburg, FL 32068
About this home
Middleburg
DRASTIC PRICE REDUCTION! Owner dropped price because Clay County will NOT approve high density or zoning change. Only residential uses or farm uses are possible. Family Compound or 1 house per 5 acres possible. Uplands front onto Discovery Road & the new First Coast Expressway. Great accessibility, visibility & in a fast growing area. Wetland maps are in the documents. Gopher Tortoises were discovered on site in 2020 - pushed onto property by Highway Department - it is not known if any remain on site or are active. Seller has taken this into account in the pricing. Buyer should verify. Wetlands may have substantial tax benefits in a mitigation bank or conservation easement scenario. The majority of the upland acres (7.78 Acres) have direct access from Discovery Road with utilities available near the property. Buyer should verify end use needs and possibilities. This could be a great BUY-HOLD property as this corridor will eventually develop commercially.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $183,600 | $183,600 | — |
| 2024 | $183,600 | $183,600 | — |
| 2023 | $183,600 | $183,600 | — |
| 2022 | $169,905 | $169,905 | — |
| 2021 | $169,905 | $169,905 | — |
| 2020 | $169,905 | $169,905 | — |
2023 property taxes (current owner): $2,788/yr
Estimated taxes if purchased at asking price: ~$7,700/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,677 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
History
Price & status history
- Jul 18, 2024Listed$420,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines