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Active

Active·34 days on market

2009 Catherine Lane

Middleburg, FL 32068

$254,000$163/sqftEst. $1,295/moMLS# 2153420

Beds

Baths

1,560

Sq Ft

1994

Built

—

Garage

Pool

About this home

Middleburg

This beautifully renovated 4-bedroom, 2.5-bath manufactured home has been completely updated from top to bottom. Features include a brand-new kitchen with new cabinets, countertops, and stainless steel appliances, fully remodeled bathrooms, new flooring, fresh interior and exterior paint, new tie-downs, a 2026 roof, 2026 A/C, and a 2026 water heater. Situated on 1.25 cleared acres, this home also offers a cozy fireplace and plenty of room to enjoy country living with modern updates. The well and septic have been pre-inspected for added peace of mind. Second-Set Manufactured Home: This home has been moved from its original location and reinstalled on the current property. Financing options include Cash, VA, or select non-traditional Conventional loans only. No FHA financing. Reach out if you need a lender who does these types of loans.

Cost to own

Mortgage calculator

Home Price

$254,000

Down Payment: 20%

$50,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,295

Principal & Interest: $1,295

Property taxes (est.): $389

Insurance (est.): $169

Estimated Total Monthly

$1,854

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,295

Property taxesest. at asking price, Clay County$389

Estimated total, before insurance$1,684/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,444/yr · $287/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	$246,082	$171,768	—
2024	$213,391	$156,153	—
2023	$191,778	$141,958	—
2022	$157,131	$129,053	—
2021	$119,297	$117,321	—
2020	$108,021	$106,656	—

2025 property taxes (current owner): $3,444/yr

Estimated taxes if purchased at asking price: ~$4,700/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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · 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).

Solar potential: ~1,544 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