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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$289,000

2203 MALLARD Road, Middleburg, FL 32068

Duck Pond

Price
$289,000
Beds / Baths
3 / 3
Living area
1,937 sqft
Year built
1994
Type
Residential
Lot
0.96 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
53

New Price! Bring your boat, your RV, your 4-wheeler -- there's plenty of room on this acre! Move-in ready 3BR/3BA home with a DETACHED BONUS SUITE and its own FULL BATH, plus NO HOA. The showstopper is out back: a versatile RV barn with a true workshop on one side and a climate-controlled bonus suite on the other. Home office, guest quarters, teen or in-law space, hobby studio -- the possibilities are yours. Carport and RV parking for all the toys. Inside, vaulted ceilings give the family room an airy feel, anchored by a stone fireplace. The eat-in kitchen offers abundant cabinets, tile counters, stainless appliances with gas range, and a large prep area. Luxury vinyl plank runs through every bedroom -- no carpet anywhere. The private primary suite has double sinks, garden tub, separate shower, and walk-in closet. Two porches, fenced yard, well & septic. Convenient to shopping, dining, and schools while providing the peace and freedom of country living.

What to check on this one

  • Verify flood zone designation with FEMA map; request elevation certificate if in AE/VE.
  • Inspect roof age/condition; get roofer estimate given 1994 build year.
  • Confirm well & septic service history; obtain most recent inspection reports.
  • Review mobile home title/deed; verify no liens or judgments against property.
  • Get septic tank pumping records and any repairs; confirm system capacity.
  • Inspect RV barn structure, roof condition, and electrical/plumbing in bonus suite.

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$1,500/mo
Property tax (1.1% eff., Clay Co.)$265/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,057/mo

Loan $231,200 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 ONE SOTHEBY'S INTERNATIONAL REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 13, 2026, 10:07 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.