Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 32
Sold

Sold·Closed Jun 16, 2026·8 days on market

2130 Mallard Road

Middleburg, FL 32068

$490,000sold priceListed at $490,000 · 100% of asking$212/sqftMLS# 2136577
4
Beds
3
Baths
2,315
Sq Ft
2026
Built
2
Garage
No
Pool
No HOASingle Family Residence1 storyNew construction

About this home

Middleburg

Welcome to your dream home! 4-bed 3-bath 3- car garage located in charming Middleburg. The split floor plan offers privacy for the master suite. As you step inside the living area, The open floor plan creates a seamless flow between the living room, dining area, and kitchen. Country living offers a level of privacy and peace that's hard to find elsewhere. NO HOA & NO CDD FEES. Bring all your toys, Boat Rv ATVS. Don't miss this opportunity!

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$2,714
Property taxesest. at asking price, Clay County$751
Estimated total, before insurance$3,465/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

$490,000
$98,000
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Property taxes (est.): $751
Insurance (est.): $327
Estimated Total Monthly
$3,792
*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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$175,746$39,157—
2024$156,473$37,346—
2023$148,897$34,802—
2022$128,547$32,333—
2021$105,166$29,935—
2020$103,065$28,832—

Estimated taxes if purchased at asking price: ~$9,000/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $163/sq ft; this home is listed at $212/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2126 Mallard Road, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCJul 2026$450,000$1994/32,2641270.1
2203 Mallard Road, Middleburg, FL 32068Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$289,000$1493/31,937340.5
2355 Walters Road, Middleburg, FL 32068Listed by JOSEPH WALTER REALTY LLCJul 2026$300,000$1414/32,128401.2
1901 Peregrine Place, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$326,400$1633/21,998151.3
1873 Openwoods Road, Middleburg, FL 32068Listed by ONE REALTY CORPAug 2025$475,000$2094/32,272321.3
101 Melanie Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$302,000$1294/22,342351.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$490,000
Price / Sq Ft$212
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,315
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address2130 Mallard Road, Middleburg, FL 32068
Area145-middleburg-SW
SubdivisionSection Land
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number01052300045400100

Amenities

UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedMarch 25, 2026
Days on Market8
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MAGNOLIA & OAK REAL ESTATE COMPANY LLC

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

This home sold on Jun 16, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines