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Pending

Pending·11 days on market

212 N Mimosa Avenue

Middleburg, FL 32068

$425,000$223/sqftEst. $2,185/moMLS# 2160616

Beds

Baths

1,910

Sq Ft

2017

Built

Garage

Pool

About this home

Middleburg

Over an Acre + 1,000 Sq Ft Shop + No HOA + A-Rated Schools! If you've been looking for SPACE, PRIVACY and a serious SHOP, this is the one! Set on 1.136 acres with NO HOA and NO CDD, this 3-bedroom, 2-bath home offers 1,910 sq ft plus a dedicated office and an incredible 1,000 sq ft workshop with electricity. There's even a separate she-shed, perfect for sewing, crafts or hobbies! Inside, you'll find NO CARPET, an open floor plan, granite countertops, a spacious kitchen with abundant cabinetry, and a large primary suite with a beautifully appointed bath. French doors open to a covered patio overlooking the expansive yard, giving you plenty of room to relax, garden or simply enjoy the privacy. Whether you're a woodworker, car enthusiast, hobbyist or just need serious storage and workspace, this property offers something that's increasingly hard to find: a beautiful home on over an acre, a 1,000 sq ft shop, NO HOA, NO CDD and A-RATED SCHOOLS!

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,185

Principal & Interest: $2,185

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,120

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,185

Property taxesest. at asking price, Clay County$651

Estimated total, before insurance$2,836/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,669/yr · $306/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): $3,669/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2017)

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

Septic system (public record) · 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: ~1,714 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 August 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 20, 2026Pending$425,000
Aug 18, 2026Listed$425,000

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

Features

Price$425,000

Price / Sq Ft$223

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,910

Acres1.14 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWilkinson

MiddleWilkinson

HighMiddleburg

Community Information

Address212 N Mimosa Avenue, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionMiddleburg

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size49,484.16 sq ft

Parcel Number09052400595347500

ZoningSingle Family

Amenities

UtilitiesCable Available, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup