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Pending

Pending·277 days on market

5951 Westwood Road

Clay Hill, FL 32234

$140,000$89/sqftEst. $714/moMLS# 2115956

Beds

Baths

1,566

Sq Ft

1989

Built

—

Garage

Pool

About this home

Clay Hill

Spacious 4-Bedroom Home on 1.16 Acres in the heart of Clay Hill. Looking for a home with room to grow? This 4-bedroom, 2-bath mobile home offers plenty of space inside and out, perfect for a large or growing family. Situated on a generous 1.16-acre homesite in the desirable Clay Hill area of Middleburg, this property provides both privacy and potential. The home features a roomy layout with great bones and endless possibilities. While it needs some work including new subflooring in certain areas, it's an excellent opportunity to customize and create the home you've always wanted. With a little TLC, this property can truly shine. Enjoy peaceful country living just minutes from the conveniences of Middleburg. Whether you're looking for a family home, a renovation project, or an investment opportunity, this property is full of potential.

Cost to own

Mortgage calculator

Home Price

$140,000

Down Payment: 20%

$28,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$714

Principal & Interest: $714

Property taxes (est.): $215

Insurance (est.): $93

Estimated Total Monthly

$1,022

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$714

Property taxesest. at asking price, Clay County$215

Estimated total, before insurance$928/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,789/yr · $232/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

Last sold: $200,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$181,944	$178,070	—
2024	$161,882	$161,882	—
2023	$150,519	$150,519	—
2022	$63,470	$51,964	—
2021	$47,240	$47,240	—
2020	$43,026	$43,026	—

2024 property taxes (current owner): $2,789/yr

Estimated taxes if purchased at asking price: ~$2,600/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 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.