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Active·60 days on market

1733 Hereford Road

Middleburg, FL 32068

$573,000$341/sqftEst. $2,961/moMLS# 2154416

Beds

Baths

1,680

Sq Ft

1986

Built

Garage

Pool

About this home

Middleburg

PRIVATE COUNTRY ESTATE | NEARLY 12 ACRES | ADJOINS JENNINGS STATE FOREST Enjoy the privacy and space of nearly 12 acres adjoining Jennings State Forest. This 3-bedroom, 2-bath home with a 2-car garage offers plenty of room for a private homestead, recreational retreat, hobby farm, equestrian property, or simply enjoying the freedom that acreage provides. The property features multiple wells and septic systems, abundant wildlife, and a cleared area toward the rear of the property. A mobile home was previously located on this portion of the property and was occupied by a long-term tenant. The mobile home has since been removed and the area cleared. Buyer Due Diligence: The previous presence of a mobile home does not represent or guarantee that another mobile/manufactured home, additional dwelling, or other structure may be placed on the property. Buyer and Buyer's Agent are strongly encouraged to contact Clay County Planning & Zoning and all other applicable governmental agencies.

Cost to own

Mortgage calculator

Home Price

$573,000

Down Payment: 20%

$114,600

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,961

Principal & Interest: $2,961

Property taxes (est.): $878

Insurance (est.): $382

Estimated Total Monthly

$4,221

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,961

Property taxesest. at asking price, Clay County$878

Estimated total, before insurance$3,839/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: ~$10,500/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