$454,998
1986 MALLARD Road, Middleburg, FL 32068
Duck Pond
- Price
- $454,998
- Beds / Baths
- 4 / 2
- Living area
- 2,470 sqft
- Year built
- 1970
- Type
- Residential
- Lot
- 3.97 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 52
- Elementary
- Clay Hill
- Middle
- Wilkinson
- High school
- Middleburg
$184/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 2% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Charming 4-bed, 2-bath home on ~4 cleared acres, zoned for horses, with NO HOA, located just 5 miles from Jennings State Forest! The inviting brick exterior and double front doors open to a spacious family room with exposed beams, perfect for relaxing or entertaining. A second living area with a wood-burning fireplace offers flexible space for a playroom, formal living room, or home office. The heart of the home includes a designated dining area, eat-in island, and a beautifully updated kitchen with a farmhouse sink, stainless steel appliances, custom tile backsplash, white cabinetry, and crown molding. The custom laundry/pantry cabinetry adds plenty of storage and an entrance to the back yard. The oversized primary suite features two closets and a sitting area or office nook. Outside, enjoy fenced pastures, a pond with dock, a pole barn, storage barn, and plenty of room to live and enjoy your outdoors, Florida lifestyle. *VA-qualified buyer may qualify for 2.375% assumable mortgage.*
What to check on this one
- Verify roof age and get inspection; 1970 home likely needs 4-point + wind-mitigation reports for insurance.
- Confirm flood zone designation with FEMA map; get elevation certificate if in AE/VE zone.
- Inspect plumbing type (cast-iron/polybutylene common in 1970); verify septic system permits and last service.
- Confirm well/septic service history and any county permits; verify septic tank location and drainfield.
- Title search for easements, deed restrictions, or equestrian-use covenants on 4-acre parcel.
- If assuming VA mortgage: get lender pre-approval letter and verify assumable loan terms with current servicer.
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 $363,998 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 PREMIER HOMES REALTY INC. Data via realMLS (Northeast Florida MLS), updated Aug 8, 2026, 1:11 PM.
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