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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$215,000

4146 OSCEOLA Trail, Middleburg, FL 32068, Middleburg, FL 32068

Osceola Forest

Price
$215,000
Beds / Baths
3 / 2
Living area
1,404 sqft
Year built
2004
Type
Residential
Lot
1.08 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
6

$153/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 15% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Bring your toys and enjoy the space! This 3-bedroom, 2-bath home in Osceola Forest sits on a spacious 1.15-acre lot in Middleburg, offering plenty of room to spread out and enjoy the outdoors. The property could use some TLC, making it a great opportunity for a buyer looking to add their own personal touches and build equity. The roof is approximately 4 years old, offering a major update already completed. Property is currently owner occupied and easy to show with advance notice. Cash buyers preferred; seller may consider conventional financing. No owner financing available. If you're looking for acreage, privacy, and the opportunity to make a home your own, this one is worth a look!

What to check on this one

  • Verify flood zone designation with FEMA map; request elevation certificate if in AE/VE
  • Confirm roof installation date and materials; get inspector report on remaining lifespan
  • Inspect septic system functionality and drain field; request service records
  • Review mobile home title status and any lien history with Clay County
  • Have well water tested for quality; confirm maintenance records with owner
  • Get structural inspection—mobile homes 20+ years old need thorough foundation/frame review

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$1,116/mo
Property tax (1.1% eff., Clay Co.)$197/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,605/mo

Loan $172,000 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 UNITED REAL ESTATE GALLERY. Data via realMLS (Northeast Florida MLS), updated Aug 27, 2026, 11:22 AM.

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.