$378,000
2098 HERMITAGE Place, Middleburg, FL 32068, Middleburg, FL 32068
Metes & Bounds
- Price
- $378,000
- Beds / Baths
- 3 / 2
- Living area
- 1,512 sqft
- Year built
- 2023
- Type
- Residential
- Lot
- 1.02 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 186
$250/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 38% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Zero Down Payment Financing Available for Qualified Buyers (USDA Eligible). One Acre. NO HOA. Built in 2023. This is the combination buyers keep searching for -- newer construction with real land and flexible financing options. Built in 2023, this 3-bedroom home features an open-concept layout with granite countertops, stainless steel appliances, durable vinyl plank flooring, and a split-bedroom design built for everyday living. Step outside through French doors to a full acre of usable, unrestricted property. Park the RV. Bring the boat. Add chickens. Build a workshop or garden -- no HOA approvals, no parking restrictions, and no limits on how you use your land. With major systems still young and the AC recently serviced, buyers gain the peace of mind that comes with newer construction without the timeline or uncertainty of building from scratch. USDA eligibility, acreage, newer construction, and no HOA restrictions are a rare combination in one property.
What to check on this one
- Verify exact flood zone designation with Clay County property appraiser; obtain elevation certificate if AE/VE.
- Confirm USDA loan eligibility and any remaining restrictions on the property before committing.
- Request 2023 construction documents: builder warranty details, all permits, and final inspection sign-offs.
- Verify well and septic system permits, tank size, and service history since new construction.
- Review AC service records; confirm remaining manufacturer warranty coverage on all major systems.
- Confirm no restrictive covenants or easements limit RV parking, workshop, or other land use.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $302,400 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of HERRON REAL ESTATE LLC. Data via realMLS (Northeast Florida MLS), updated Jul 6, 2026, 5:46 PM.
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