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Active

Active·15 days on market

1733 Hereford Road

Middleburg, FL 32068

$584,999$348/sqftEst. $2,983/moMLS# 2154416

Beds

Baths

1,680

Sq Ft

1986

Built

Garage

Pool

About this home

Middleburg

Escape to peaceful country living on nearly 12 acres backing directly to Jennings State Forest! This 3-bedroom, 2-bath private home with a 2-car garage offers endless possibilities for multigenerational living, a homestead, horse property, hobby farm, or room for livestock. Bring your horses, chickens, goats, ATVs, RV, boat, and all your outdoor toys--there's plenty of space to enjoy the country lifestyle. Abundant wildlife, including deer and turkey, make this a nature lover's paradise. The property includes three wells and three septic systems, offering added versatility. Conveniently located with easy access to Middleburg, Orange Park, and Jacksonville while providing the privacy and tranquility of a secluded retreat. Buyer to perform all due diligence regarding land use, parcel configuration, allowable uses, and future improvements. Prior Tenant on other side of the property is in the process of removing trailer & personal property. Cleanup is ongoing. **** Drone Video Coming!

Cost to own

Mortgage calculator

Home Price

$584,999

Down Payment: 20%

$117,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,983

Principal & Interest: $2,983

Property taxes (est.): $897

Insurance (est.): $390

Estimated Total Monthly

$4,269

*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$2,983

Property taxesest. at asking price, Clay County$896

Estimated total, before insurance$3,879/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,497/yr · $208/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	$282,180	$85,074	—
2024	$269,960	$80,560	—
2023	$247,854	$75,301	—
2022	$213,072	$70,196	—
2021	$177,288	$65,239	—
2020	$167,102	$62,958	—

2025 property taxes (current owner): $2,497/yr

Estimated taxes if purchased at asking price: ~$10,800/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 1986)

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).

Solar potential: ~1,523 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