$444,998Active Under Contract4 bd · 2 ba · 2,470 sq ft
Active Under Contract·121 days on market
1986 Mallard Road
Middleburg, FL 32068
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About this home
Middleburg
*VA-qualified buyer may qualify for 2.375% assumable mortgage.* Sellers will pay 1% of purchase price towards buyer closing costs! Charming 4-bed, 2-bath home on ~4 cleared acres, zoned for horses, with NO HOA, located ~5 miles from Jennings State Forest! Brick exterior and double front doors open to a large family room with exposed beams, perfect for relaxing or entertaining. A second living with fireplace offers flexible space for a playroom, formal living room, or home office. The heart of the home includes a 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 laundry/pantry adds plenty of storage and an entrance to the back yard. The 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
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 (the whole 4-acre lot)
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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 8 mi · 24.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 7 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Ellis Ford Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 10 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,755/yr
Estimated taxes if purchased at asking price: ~$8,200/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
- Oct 16, 2026Active Under Contract$444,998
- Sep 4, 2026Price change$444,998−$10,000
- 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.
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 $177/sq ft; this home is listed at $180/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5398 Laurie Lane, Middleburg, FL 32068Listed by INI REALTY | Apr 2026 | $299,000 | $141 | 3/2 | 2,122 | 18 | 0.4 |
| 5394 Muscovy Road, Middleburg, FL 32068Listed by JPAR CITY AND BEACH | Apr 2026 | $450,000 | $251 | 3/2 | 1,792 | 27 | 0.4 |
| 5389 Laurie Lane, Middleburg, FL 32068Listed by HERRON REAL ESTATE LLC | Feb 2026 | $315,000 | $177 | 4/2 | 1,776 | 193 | 0.4 |
| 5180 Mallard Road, Middleburg, FL 32068Listed by FORWARD REAL ESTATE INVESTMENT GROUP LLC | Apr 2026 | $189,000 | $101 | 2/2 | 1,874 | 22 | 0.6 |
| 5545 Buzzie Lane, Middleburg, FL 32068Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Apr 2026 | $360,000 | $196 | 4/2 | 1,835 | 214 | 0.7 |
| 5537 Squaw Lane, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Dec 2025 | $277,500 | $122 | 4/2 | 2,280 | 10 | 0.7 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PREMIER HOMES REALTY INC
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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Krista Fracke
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