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Active

Active·40 days on market

4476 County Road 218

Middleburg, FL 32068

$425,000$273/sqftEst. $2,183/moMLS# 2098014

Beds

Baths

1,556

Sq Ft

1981

Built

—

Garage

Pool

About this home

Middleburg

Great commercial opportunity with 150 foot of County Road 218 frontage. Only one lot from the redlight which offers turn lanes at each four way turn N, S, E & W at N Mimosa and CR 218, with a steady flow of Traffic. Surrounded by established businesses. Currently zoned PCD, Planned Commercial Development, see documents for details. Heated and cooled structure offers 1,556 square feet with a kitchen and 2 bathrooms with an additional 615 square foot of garage space. Plenty of open space in the back for parking equipment, and vehicles plus additional storage. Buyers to do their own due diligence with Clay County Zoning & Planning to verify Buyers intended use.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,183

Principal & Interest: $2,183

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,117

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$2,183

Property taxesest. at asking price, Clay County$651

Estimated total, before insurance$2,834/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,688/yr · $141/mo

• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$248,472	$81,215	—
2024	$279,562	$78,219	—
2023	$263,702	$74,485	—
2022	$235,251	$70,860	—
2021	$196,408	$67,340	—
2020	$179,311	$65,720	—

2024 property taxes (current owner): $1,688/yr

Estimated taxes if purchased at asking price: ~$7,800/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: Shingle — year not disclosed (home built 1981)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,557 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 home

As 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