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Active

Active·67 days on market

1809 Farm Way

Middleburg, FL 32068

$249,000$163/sqftEst. $1,325/moMLS# 2114983

Beds

Baths

1,532

Sq Ft

1990

Built

Garage

Pool

About this home

Middleburg

The listing price is the price the Short Sale lien holder will consider. Sold-as-is This is a three-bedroom, two-and-a-half-bathroom residence with a total area of 1,532 square feet and a two-car garage. The two bedrooms have a joined bathroom, and there is an additional bonus room. With careful planning and effort, this residence has the potential to become a great home.

Cost to own

Mortgage calculator

Home Price

$249,000

Down Payment: 20%

$49,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,325

Principal & Interest: $1,325

Est. Taxes & Insurance: $331

Estimated Total Monthly

$1,657

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$1,325

Property taxesest. at asking price, Clay County$383

Estimated total, before insurance$1,709/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$239,039	$188,317	—

Estimated taxes if purchased at asking price: ~$4,600/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 921 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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1990)

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

Solar potential: ~1,545 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History