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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

$462,5004 bd · 3 ba · 2,139 sq ft

Active·14 days on market

1804 Mickey Way

Middleburg, FL 32068

$462,500$216/sqftEst. $2,522/mo mortgageMLS# 2170936
4
Beds
3
Baths
2,139
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $62/moSingle Family Residence1 storyNew construction

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

Blending comfort with modern elegance, this beautiful Mystique floorplan features a Coastal elevation, 4 bedrooms, 3 full bathrooms, and a 2-car garage. Luxury vinyl plank flooring enhances the main living spaces, leading into a bright gathering room with a stunning tray ceiling and pocket sliding glass door. The covered lanai with an extended patio offers the perfect space for outdoor relaxation and entertaining. The gourmet kitchen boasts quartz countertops, upgraded 42-inch white cabinets, a full Whirlpool appliance package, Flow Tender gray tile backsplash, and a spacious center island. Additional features include upgraded bathrooms, 8-foot interior doors, window blinds, a smart home system, and a laundry room upgrade, along with thoughtful enhancements throughout.

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$2,522
Property taxesest. at asking price, Clay County$709
HOAbilled monthly$62
Estimated total, before insurance$3,292/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

$462,500
$92,500
Loan Term
Monthly Payment
$2,522
Principal & Interest: $2,522
Property taxes (est.): $709
Insurance (est.): $308
Estimated Total Monthly
$3,539
*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 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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,677 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 October 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

  • Nov 6, 2026Price change$462,500+$3,500
  • Oct 26, 2026Listed$459,000

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 $196/sq ft; this home is listed at $216/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1808 Mickey Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$419,100$1695/32,483840
1905 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$328,000$2174/21,510390.1
1872 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$399,000$1873/32,139470.1
1676 Glen Laurel Drive, Middleburg, FL 32068Listed by MERRETT REALTY SERVICESOct 2026$372,000$1914/21,949570.1
1759 Mickey Way, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$419,000$1964/32,139940.1
1901 Sue Meadow Lane, Middleburg, FL 32068Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$330,500$2194/21,510380.1

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$462,500
Price / Sq Ft$216
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,139
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address1804 Mickey Way, Middleburg, FL 32068
Area146-Middleburg-NE
SubdivisionMurray Farms
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Parcel Number34042500815400935

Amenities

AmenitiesPark
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewOther

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 26, 2026
Days on Market14
HOA Fees$62 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

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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