Welcome to this nearly new home offering modern design, functional space, and over an acre of land with no HOA restrictions, perfect for buyers seeking privacy, flexibility, and room to live the Florida lifestyle. The open-concept design features quartz countertops, stainless steel appliances, and stylish contemporary finishes. Two bedrooms share a convenient Jack & Jill bathroom, while the split layout provides flexibility for guests, family, or a home office. Enjoy outdoor living with a screened front patio and covered back patio overlooking a natural wooded backdrop with no rear neighbors. The property also includes a 10x10 storage shed and a 10x20 workshop with power and A/C, ideal for hobbies or tools. An outdoor electrical panel and RV hookup make this property ideal for RV owners, boat storage, or additional equipment. Outdoor enthusiasts will appreciate proximity to Black Creek for boating and recreation, along with nearby parks, trails & wildlife. Located in Middleburg, the area is known for its welcoming, small-town atmosphere with community events, local farmers' markets, and a strong neighborly spirit. Despite its peaceful setting, Middleburg offers convenient access to Jacksonville and St. Augustine via newer expressways, making commutes to major employers like Mayo Clinic and Naval Air Station Jacksonville straightforward. The area is also recognized for its family-friendly environment, highly rated schools, and variety of activities for all ages. This home offers the rare combination of new construction, acreage, functional outbuildings, and no HOA, a hard-to-find setup for buyers seeking space, convenience, and modern comfort.
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Our Executive Mortgage Banker:
Our Insurance Division:
$460,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $368,000 | $368,000 | $368,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.395% | 6.545% | 5.900% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,206 | $2,296 | $3,031 |
| Total Monthly Payment | $2,281 | $2,371 | $3,106 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.