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Active

Active·64 days on market

1684 Eagle Nest Lane

Middleburg, FL 32068

$219,900$131/sqftEst. $1,164/moMLS# 2156226
$2,322 below original list
3
Beds
2
Baths
1,680
Sq Ft
1981
Built
Garage
No
Pool
FEMA Zone XNo HOA1.00 acresMobile Home1 story

About this home

Middleburg

Welcome to your One Acre Wonder. This double wide mobile home boasts 3 bedroom, 2 bathrooms with a new roof and new flooring. Forget about the HOA's come live where the possibilities are endless. The location keeps you close to the First Coast Expressway for easy access to anything you could need without the noise or traffic. Come see today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,164
Property taxesest. at asking price, Clay County$337
Estimated total, before insurance$1,501/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,533/yr · $211/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$219,900
$43,980
Loan Term
Monthly Payment
$1,164
Principal & Interest: $1,164
Property taxes (est.): $337
Insurance (est.): $147
Estimated Total Monthly
$1,648
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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: material not specified — year not disclosed (home built 1981)

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: ~1,698 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,533/yr

Estimated taxes if purchased at asking price: ~$4,000/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 2, 2026Price change$219,900$2,322
  • Jul 20, 2026Listed$222,222

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

Features

Price$219,900
Price / Sq Ft$131
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,680
Acres1.00 acres
Year Built1981
TypeResidential
Sub-TypeMobile Home
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address1684 Eagle Nest Lane, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionMetes & Bounds
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size43,560 sq ft
Parcel Number02052400592600801

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewOther

Interior

Interior FeaturesPrimary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Electric Oven
HeatingElectric
CoolingElectric
FireplaceYes
# of Fireplaces1
# of Stories1

Exterior

Lot DescriptionCleared
Road SurfaceDirt

Additional Information

Date ListedJuly 20, 2026
Days on Market44
Tax Amount$2,532.7
Tax Year2025
Listing TermsCash, Conventional, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: VENTURE REALTY CO, LLC · tysellsfl@gmail.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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