Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$294,000

1732 MORNINGSIDE Drive, Middleburg, FL 32068, Middleburg, FL 32068

Heritage Farms

Price
$294,000
Beds / Baths
5 / 2
Living area
1,665 sqft
Year built
1986
Type
Residential
Lot
0.33 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
172

$177/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 2% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Beautifully updated home featuring a bright, open layout with vinyl flooring throughout the main living areas. The living room offers vaulted ceilings and an airy, inviting feel. Sliding glass doors bring in great natural light and provide easy access to the backyard. Generously sized bedrooms include fresh carpet and ample closet space. Neutral finishes throughout make this home truly move-in ready. No HOA or CDD fees here!

What to check on this one

  • Verify actual roof age and get 4-point inspection—1986 home likely needs one for insurance.
  • Pull flood zone from FEMA map; if AE/VE, request elevation certificate before closing.
  • Confirm plumbing material (polybutylene common in 1986—costly to replace).
  • Order septic inspection if on well/septic; verify system records and permits.
  • Get wind-mitigation inspection quote; older homes often qualify for discounts.
  • Inspect HVAC age and service history; 1986 unit may need replacement soon.

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

Principal & interest$1,526/mo
Property tax (1.1% eff., Clay Co.)$270/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,088/mo

Loan $235,200 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 SOVEREIGN REAL ESTATE GROUP. Data via realMLS (Northeast Florida MLS), updated Jul 23, 2026, 6:56 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.