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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·428 days on market

5406 County Road 218

Middleburg, FL 32068

$1,950,000$645/sqftEst. $10,801/moMLS# 2103052
0
Beds
0
Baths
3,021
Sq Ft
1950
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.02 acresRetail

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

FOR SALE: Thriving Sports Bar & Liquor Store Near Middleburg, FL Location: Just outside Middleburg, FL - Next to Jennings State Forest Looking for a ready-to-go business with a loyal customer base and decades of success? This established commercial property has been a cornerstone of the Middleburg community for over 50 years and is now looking for its next owner! Property Highlights: Sports Bar + Liquor Store - Both fully operational Includes a 4COP Liquor License (beer, wine & spirits) Indoor & Outdoor Seating - Ideal for events and weekend crowdsLarge Dance Floor + space for pool tables All inventory included - bar and liquor store stock Experienced staff willing to stay with new ownership This is a turnkey investment opportunity with room to grow. Whether you're expanding your portfolio or ready to become your own boss, this property offers the perfect foundation. Don't miss out on this rare chance to own a piece of local history!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$10,801
Property taxesest. at asking price, Clay County$2,988
Estimated total, before insurance$13,789/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,950,000
$390,000
Loan Term
Monthly Payment
$10,801
Principal & Interest: $10,801
Property taxes (est.): $2,988
Insurance (est.): $1,300
Estimated Total Monthly
$15,089
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Metal — year not disclosed (home built 1950)

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

Septic system (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,762 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$135,105$135,105—
2024$133,670$133,670—
2023$132,155$132,155—
2022$127,275$127,275—
2021$122,792$122,792—
2020$139,490$139,490—

Estimated taxes if purchased at asking price: ~$35,900/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.

History

Price & status history

  • Aug 8, 2025Listed$1,950,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,950,000
Price / Sq Ft$645
Bedrooms0
Bathrooms0.00
Full Baths0
Square Footage3,021
Acres1.02 acres
Year Built1950
TypeCommercial Sale
Sub-TypeRetail
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address5406 County Road 218, Middleburg, FL 32068
Area141-Middleburg NW
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size44,431.2 sq ft
Parcel Number36042300038100100
ZoningCommercial

Amenities

AmenitiesTrash, Water
UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAdditional Parking, Attached

Interior

HeatingCentral
CoolingCentral Air
FlooringOther, Laminate
Security24 Hour Security

Exterior

Lot DescriptionCleared
FencingFenced, Back Yard
RoofMetal
ConstructionBlock, Concrete, Stucco
Road FrontageCounty Road

Additional Information

Date ListedAugust 8, 2025
Days on Market323
Listing TermsCash, Conventional, Private Financing Available, Other
55+ CommunityNo

Listing Courtesy of: PREMIER HOMES REALTY INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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