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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$995,0004 bd · 3 ba · 2,575 sq ft

Active·72 days on market

1717 Landward Lane

Middleburg, FL 32068

$995,000$386/sqftEst. $5,425/mo mortgageMLS# 2162196
↓ $80,000 below original list
4
Beds
3
Baths
2,575
Sq Ft
2008
Built
3
Garage
No
Pool
FEMA Zone AENo HOA3.00 acresWaterfrontSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

Rare opportunity to own a private waterfront property on one of the largest lots on Doctors Lake. Enjoy navigable water access with a boat lift, floating jet ski dock, kayak launch and 2-story waterfront deck. A newly updated, illuminated 450 ft. walkway with modern cable railings leads you through natural landscape from the home to the water. This updated smart home blends traditional character with modern farmhouse style. The gourmet kitchen features upgraded cabinets, premium appliances and a Hallman gas range. The primary bath offers a classic clawfoot tub and separate walk-in shower. Upstairs, 2 large rooms share a kitchenette and full bath. A private entry allows it to be used as a mother-in-law suite, guest apartment, office or flex space. The 3-car garage with AC provides options to be used as a gym, game room or workshop. Extras include RV parking w/electric hook-up, 2 sheds, and a chicken coop. Waterfront property offering so many extras are rarely available on Doctors Lake

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$5,425
Property taxesest. at asking price, Clay County$1,525
Estimated total, before insurance$6,950/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$995,000
$199,000
Loan Term
Monthly Payment
$5,425
Principal & Interest: $5,425
Property taxes (est.): $1,525
Insurance (est.): $663
Estimated Total Monthly
$7,613
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 AE — high-risk flood zone (Special Flood Hazard Area) (the whole 3-acre lot)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2008)

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: ~1,667 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 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, 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.

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.

History

Price & status history

  • Oct 26, 2026Price change$995,000−$3,000
  • Sep 23, 2026Price change$998,000−$77,000
  • Aug 27, 2026Listed$1,075,000

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 $199/sq ft; this home is listed at $386/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3151 Nautilus Road, Middleburg, FL 32068Listed by WATSON REALTY CORPOct 2026$505,000$1894/32,672640.5
3074 Nautilus Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$430,000$1994/32,16440.5
3034 Nautilus Road, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$417,500$2024/22,067260.6
1912 Silo Oaks Place, Middleburg, FL 32068Listed by MAGNOLIA REAL ESTATE COMPANYOct 2026$489,990$2053/22,38940.7
1928 Moorings Circle, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$610,000$1845/53,317880.9
4199 Pine Road Road, Orange Park, FL 32065Listed by AVALON GROUP USA LLCSep 2026$520,000$1954/3.52,6621790.9

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

Price$995,000
Price / Sq Ft$386
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,575
Total Structure Area3,690 sq ft
Acres3.00 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address1717 Landward Lane, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionDoctors Lake
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size130,680 sq ft
Parcel Number35042500825401800

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Not Available, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Circular Driveway, Garage, RV Access/Parking, Other
ViewLake, Water

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBalcony, Boat Lift, Dock, Fire Pit, Other
Patio / PorchDeck, Front Porch, Rear Porch
RoofShingle
Other StructuresBarn(s), Shed(s)
Road SurfaceGravel
Road FrontagePrivate Road

Additional Information

Date ListedAugust 27, 2026
Days on Market72
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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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