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Pending

Pending·19 days on market

4766 Acacia Street

Middleburg, FL 32068

$230,000$180/sqftEst. $1,182/moMLS# 2153012

Beds

Baths

1,280

Sq Ft

1999

Built

—

Garage

Pool

About this home

Middleburg

Discover the perfect blend of space, privacy, and modern updates on over an acre in Middleburg! This beautifully maintained home features an open-concept layout with luxury vinyl plank flooring, a spacious kitchen with a large island, abundant cabinetry, and a bright dining area overlooking the backyard. The oversized primary suite offers a relaxing retreat with dual vanities, a soaking tub, and a separate shower. Outside, you'll find everything you need for country living, including a 30-amp RV hookup with water and sewer, a 12x24 shed, and an additional 12x20 shed--ideal for storage, a workshop, or hobbies. Don't forget your FULLY fenced-in yard! With plenty of room for your RV, boat, animals, or future projects, this property offers endless possibilities while still being conveniently located near shopping, dining, and schools. Don't miss this rare opportunity! 5% conventional lender program with preferred lender- call for details!

Cost to own

Mortgage calculator

Home Price

$230,000

Down Payment: 20%

$46,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,182

Principal & Interest: $1,182

Property taxes (est.): $353

Insurance (est.): $153

Estimated Total Monthly

$1,688

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,182

Property taxesest. at asking price, Clay County$352

Estimated total, before insurance$1,535/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$911/yr · $76/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

Year	Market value	Taxable value	Change
2025	$40,000	$33,674	—
2024	$40,000	$30,613	—
2023	$36,000	$27,830	—
2022	$31,000	$25,300	—
2021	$23,000	$23,000	—
2020	$23,000	$23,000	—

2025 property taxes (current owner): $911/yr

Estimated taxes if purchased at asking price: ~$4,200/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: Metal — year not disclosed (home built 1999)

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

Solar potential: ~1,662 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 11, 2026Pending$230,000
Aug 4, 2026Active Under Contract$230,000
Jul 14, 2026Price change$230,000+$25,000
Jul 10, 2026Price change$205,000−$10,000
Jun 30, 2026Listed$215,000

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

Features

Price$230,000

Price / Sq Ft$180

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,280

Acres1.17 acres

Year Built1999

TypeResidential

Sub-TypeMobile Home

Property ConditionUpdated/Remodeled

StatusPending

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWilkinson

MiddleWilkinson

HighMiddleburg

Community Information

Address4766 Acacia Street, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionMiddleburg

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size50,965.2 sq ft

Parcel Number16052400595461900

ZoningResidential

Amenities

UtilitiesElectricity Available, Electricity Connected, Water Available, Water Connected, Other

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Circular Driveway, Gated, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Security System Owned