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Active

Active·26 days on market

2203 Mallard Road

Middleburg, FL 32068

$297,000$153/sqftEst. $1,514/moMLS# 2154939

Beds

Baths

1,937

Sq Ft

1994

Built

—

Garage

Pool

About this home

Middleburg

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

Mortgage calculator

Home Price

$297,000

Down Payment: 20%

$59,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,514

Principal & Interest: $1,514

Property taxes (est.): $455

Insurance (est.): $198

Estimated Total Monthly

$2,167

*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$1,514

Property taxesest. at asking price, Clay County$455

Estimated total, before insurance$1,969/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,778/yr · $231/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

2025 property taxes (current owner): $2,778/yr

Estimated taxes if purchased at asking price: ~$5,500/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, 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 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 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

Jul 10, 2026Listed$297,000

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

Features

Price$297,000

Price / Sq Ft$153

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,937

Acres0.96 acres

Year Built1994

TypeResidential

Sub-TypeMobile Home

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces3

Has PoolNo

Is WaterfrontNo

Community Information

Address2203 Mallard Road, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionDuck Pond

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size41,817.6 sq ft

Parcel Number01052300043100100

Amenities

UtilitiesCable Available, Electricity Connected, Propane

SewerSeptic Tank

Water SourceWell

ParkingCarport, RV Access/Parking

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup