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Active

Active·28 days on market

1986 Mallard Road

Middleburg, FL 32068

$454,998$184/sqftEst. $2,346/moMLS# 2155003

Beds

Baths

2,470

Sq Ft

1970

Built

—

Garage

Pool

About this home

Middleburg

Charming 4-bed, 2-bath home on ~4 cleared acres, zoned for horses, with NO HOA, located just 5 miles from Jennings State Forest! The inviting brick exterior and double front doors open to a spacious family room with exposed beams, perfect for relaxing or entertaining. A second living area with a wood-burning fireplace offers flexible space for a playroom, formal living room, or home office. The heart of the home includes a designated dining area, eat-in island, and a beautifully updated kitchen with a farmhouse sink, stainless steel appliances, custom tile backsplash, white cabinetry, and crown molding. The custom laundry/pantry cabinetry adds plenty of storage and an entrance to the back yard. The oversized primary suite features two closets and a sitting area or office nook. Outside, enjoy fenced pastures, a pond with dock, a pole barn, storage barn, and plenty of room to live and enjoy your outdoors, Florida lifestyle. *VA-qualified buyer may qualify for 2.375% assumable mortgage.*

Cost to own

Mortgage calculator

Home Price

$454,998

Down Payment: 20%

$91,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,346

Principal & Interest: $2,346

Property taxes (est.): $697

Insurance (est.): $303

Estimated Total Monthly

$3,347

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,346

Property taxesest. at asking price, Clay County$697

Estimated total, before insurance$3,044/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,755/yr · $313/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): $3,755/yr

Estimated taxes if purchased at asking price: ~$8,400/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: Metal — year not disclosed (home built 1970)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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: ~1,675 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

Aug 8, 2026Price change$454,998−$1
Jul 31, 2026Price change$454,999−$5,000
Jul 19, 2026Price change$459,999−$10,000
Jul 11, 2026Listed$469,999

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

Features

Price$454,998

Price / Sq Ft$184

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,470

Acres3.97 acres

Year Built1970

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryClay Hill

MiddleWilkinson

HighMiddleburg

Community Information

Address1986 Mallard Road, Middleburg, FL 32068

Area145-middleburg-SW

SubdivisionDuck Pond

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size172,933.2 sq ft

Parcel Number36042300051900000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingCovered, Detached, Detached Carport

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Pantry, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)