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Active

Active·59 days on market

1808 Mickey Way

Middleburg, FL 32068

$424,000$171/sqftEst. $2,187/moMLS# 2149772

Beds

Baths

2,483

Sq Ft

2026

Built

Garage

Pool

About this home

Middleburg

Discover the two-story Trailside home with a timeless Craftsman exterior. The first floor offers a private secondary bedroom and full bath, providing flexibility for guests, family members, or a home office. Upstairs, you'll find an owner's suite along with three additional bedrooms, two full bathrooms, a versatile loft, and a conveniently placed laundry room. The designer kitchen features white cabinetry, quartz countertops, a striking white Flow Picket tile backsplash, a large center island, and a Whirlpool appliance package that includes a refrigerator. Luxury vinyl plank flooring flows throughout the main living areas and into the expansive gathering room. Additional upgrades include a smart home package, 8-foot interior doors, an enhanced hardware package, upgraded stair railing, and more. Combining modern finishes with everyday practicality, this home is ready to complement your lifestyle. Schedule your private tour.

Cost to own

Mortgage calculator

Home Price

$424,000

Down Payment: 20%

$84,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,187

Principal & Interest: $2,187

Property taxes (est.): $650

Insurance (est.): $283

Estimated Total Monthly

$3,119

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,187

Property taxesest. at asking price, Clay County$650

HOAbilled monthly$62

Estimated total, before insurance$2,898/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$16,000	$16,000	—

2025 property taxes (current owner): $244/yr

Estimated taxes if purchased at asking price: ~$7,800/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.

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: Shingle — year not disclosed (home built 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,683 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.

History

Price & status history

Aug 5, 2026Price change$424,000−$5,000
Jul 24, 2026Price change$429,000−$5,000
Jun 10, 2026Listed$434,000

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

Features

Price$424,000

Price / Sq Ft$171

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,483

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address1808 Mickey Way, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionMurray Farms

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Parcel Number34042500815400934

Amenities

AmenitiesPark

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Electric Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup