$499,900
5214 CARTER SPENCER Road, Middleburg, FL 32068
Pine Hill Acres
- Price
- $499,900
- Beds / Baths
- 4 / 2
- Living area
- 1,943 sqft
- Year built
- 1940
- Type
- Residential
- Lot
- 16.82 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 105
$257/sqft asking, vs a $181/sqft median across 1,361 closed sales in 32068 over the last 12 months — 42% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Horse property special, with almost 18 acres fenced, with good grass, property includes 2 cute, 2 bedroom 1 bath homes, a 6 stall barn, another old barn could be used as a shed or chicken coop. A must see to appreciate, priced to sell for such a large parcel. Two horses currently on the property. Houses being sold as is with no repairs, one of the buildings has a new metal roof. Private money available for rehabbing!
What to check on this one
- Verify flood zone designation and elevation certificate via FEMA flood map—critical for insurance and lending.
- Get roof age/condition for both homes; 1940 original likely needs inspection—insurers may restrict coverage.
- Confirm septic system capacity for two homes; verify service records and drain field location.
- Inspect plumbing materials in older home—polybutylene or cast-iron may need replacement.
- Request well water test results; confirm yield/quality supports two residences plus livestock.
- Clarify title—are both homes on one deed or separate parcels? Affects financing and future subdivision.
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 $399,920 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 AT HOME REALTY SERVICES, LLC.. Data via realMLS (Northeast Florida MLS), updated Aug 8, 2026, 8:43 PM.
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