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Pending

Pending·79 days on market

2183 Maluke Lane

Middleburg, FL 32068

$160,000$111/sqftEst. $852/moMLS# 2140830

Beds

Baths

1,440

Sq Ft

1983

Built

—

Garage

Pool

About this home

Middleburg

Buyer financing fell through. Their loss is your gain. Situated on 3.09 acres, this 3-bedroom, 2-bath mobile home offers a great opportunity for those seeking space and value. Being sold as-is, the list price reflects the home's current condition while highlighting several key updates. A durable metal roof was installed in 1999, with hurricane tie-downs added in 2007 for added security. The well was replaced approximately 7 years ago, and the septic system has been consistently maintained, pumped, and inspected. Interior improvements include updated bathrooms, wood-look vinyl laminate flooring in the main living areas, fresh paint, and updated lighting. With room to expand and make it your own, this property offers both privacy and potential.

Cost to own

Mortgage calculator

Home Price

$160,000

Down Payment: 20%

$32,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$813

Principal & Interest: $813

Est. Taxes & Insurance: $203

Estimated Total Monthly

$1,017

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). 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$852

Property taxesest. at asking price, Clay County$245

Estimated total, before insurance$1,097/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	$131,941	$25,000	—
2024	$106,816	$24,631	—
2023	$96,985	$23,186	—
2022	$80,702	$21,783	—
2021	$56,388	$20,421	—
2020	$48,122	$19,794	—

2025 property taxes (current owner): $746/yr

Estimated taxes if purchased at asking price: ~$2,900/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.