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Active

Active·62 days on market

2246 Daisy Street

Middleburg, FL 32068

$314,900$189/sqftEst. $1,617/moMLS# 2151960

Beds

Baths

1,664

Sq Ft

2020

Built

—

Garage

Pool

About this home

Middleburg

Welcome to your private slice of country living! Built in 2020, this beautifully maintained 4-bedroom, 2-bathroom manufactured home offers 1,664 square feet of comfortable living space on a spacious one acre lot. Step inside to discover an open-concept floor plan featuring a large kitchen island, abundant cabinet storage, and plenty of room for entertaining. The dedicated laundry room includes additional cabinets. The split-bedroom layout provides privacy, with a spacious primary suite featuring a large walk-in closet, dual vanities, an oversized garden tub and a separate walk-in shower. One of the additional bedrooms also includes its own walk-in closet. Outside this property is packed with valuable upgrades and features. Enjoy your morning coffee on the covered front porch or relax on the screened rear porch complete with a ceiling fan. The fully fenced yard includes front and rear gates and a substantial 20' x 40' concrete parking area.

Cost to own

Mortgage calculator

Home Price

$314,900

Down Payment: 20%

$62,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,617

Principal & Interest: $1,617

Property taxes (est.): $483

Insurance (est.): $210

Estimated Total Monthly

$2,310

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,617

Property taxesest. at asking price, Clay County$483

Estimated total, before insurance$2,100/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,514/yr · $293/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: $310,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$256,663	$205,941	—
2024	$242,069	$242,069	—
2023	$216,653	$105,473	—
2022	$162,967	$100,945	—
2021	$127,084	$127,084	—
2020	$23,000	$23,000	—

2025 property taxes (current owner): $3,514/yr

Estimated taxes if purchased at asking price: ~$5,800/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 2020)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

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