Sold·Closed Sep 15, 2026·34 days on market
2203 Mallard Road
Middleburg, FL 32068
About this home
Middleburg
New Price! Bring your boat, your RV, your 4-wheeler -- there's plenty of room on this acre! Move-in ready 3BR/3BA home with a DETACHED BONUS SUITE and its own FULL BATH, plus NO HOA. The showstopper is out back: a versatile RV barn with a true workshop on one side and a climate-controlled bonus suite on the other. Home office, guest quarters, teen or in-law space, hobby studio -- the possibilities are yours. Carport and RV parking for all the toys. Inside, vaulted ceilings give the family room an airy feel, anchored by a stone fireplace. The eat-in kitchen offers abundant cabinets, tile counters, stainless appliances with gas range, and a large prep area. Luxury vinyl plank runs through every bedroom -- no carpet anywhere. The private primary suite has double sinks, garden tub, separate shower, and walk-in closet. Two porches, fenced yard, well & septic. Convenient to shopping, dining, and schools while providing the peace and freedom of country living.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,671 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,778/yr
Estimated taxes if purchased at asking price: ~$5,300/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, NEFMLS.
History
Price & status history
- Sep 15, 2026Closed$289,000
- Aug 13, 2026Active Under Contract$289,000
- Aug 10, 2026Price change$289,000−$8,000
- Jul 10, 2026Listed$297,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $199/sq ft; this home is listed at $149/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5310 Jacaranda Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Jun 2026 | $285,000 | $183 | 4/2 | 1,560 | 5 | 0.3 |
| 2126 Mallard Road, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jul 2026 | $450,000 | $199 | 4/3 | 2,264 | 127 | 0.5 |
| 2130 Mallard Road, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jun 2026 | $490,000 | $212 | 4/3 | 2,315 | 8 | 0.5 |
| 5214 CR 218, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Jun 2025 | $345,000 | $230 | 3/2 | 1,500 | 41 | 0.7 |
| 1684 Freedom Drive, Middleburg, FL 32068Listed by REAL BROKER LLC | Jun 2026 | $276,000 | $176 | 4/2 | 1,568 | 167 | 0.8 |
| 1901 Peregrine Place, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $326,400 | $163 | 3/2 | 1,998 | 15 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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