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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$599,000

3532 BAKER Road, Middleburg, FL 32068

Metes & Bounds

Price
$599,000
Beds / Baths
4 / 2
Living area
2,824 sqft
Year built
2023
Type
Residential
Lot
17.5 ac
Garage
4
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
26

$212/sqft asking, vs a $181/sqft median across 1,361 closed sales in 32068 over the last 12 months — 17% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Discover the possibilities with this unique 17.5-acre private retreat offering seclusion and lots of potential. Whether you're looking for a peaceful country lifestyle, a multigenerational property, or a place to create your dream homestead, this property is worth a look. It features two homes, including a custom 2,824-square-foot, single-story, four-bedroom, two-bath home that is partially constructed and ready for you to complete to your own preferences. This home is built on a four-foot stem wall foundation, with the plumbing, electrical, and HVAC ducting systems mostly completed and the drywall approximately 70% finished. The second home is a livable 1,519-square-foot residence, allowing you to live on-site while completing the main home. The small home would be considered a tear down after the completion of the main home. Additional improvements include a detached 720-square-foot garage, one well, and two septic systems. The list price is supported by a 2024 appraisal. This is your opportunity to create your own secluded family retreat.

What to check on this one

  • Verify well water quality and capacity; request service history and recent testing.
  • Confirm both septic systems are functional; obtain pumping records and soil evaluation reports.
  • Obtain flood zone designation from FEMA; request elevation certificate if in AE/VE zone.
  • Inspect plumbing, electrical, HVAC rough-in work; hire licensed inspector to assess 70% drywall completion.
  • Review 2024 appraisal methodology; clarify how two structures and unfinished state were valued.
  • Confirm zoning allows two dwellings and future single-family use; verify no deed restrictions on improvements.

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$3,108/mo
Property tax (1.1% eff., Clay Co.)$549/mo
Homeowners insurance (est.)$349/mo
All-in monthly (est.)$4,006/mo

Loan $479,200 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 KALLAM REALTY GROUP PLLC. Data via realMLS (Northeast Florida MLS), updated Aug 22, 2026, 2:08 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.