2731 HOWARD Road, Middleburg, FL, 32068 | $305,000

Priced to Sell fast!! ARV over 550K! Welcome to 2731 Howard Rd, Middleburg, FL 32068, where opportunity meets tranquility on a 1-acre estate in one of Clay County's most desirable locations. Nestled in the heart of Middleburg, this property offers the perfect balance of peaceful country living while still being just minutes from Blanding Blvd, shopping, dining, top-rated schools, and major highways, making daily conveniences easily accessible. Whether you're looking to create your dream home, generate additional income, or both, this property offers endless potential.

The main home spans an impressive 2, 736 sq. ft. , featuring tile and carpet flooring throughout, a cozy fireplace, and a spacious layout with room to add additional bedrooms. With minor updates, including resurfacing the bathroom tiles, refreshing the flooring, modernizing the kitchen, and a fresh coat of paint, this home can be transformed into a stunning personal retreat or a turnkey rental property. Beyond the main home, the estate is packed with income-generating opportunities. A fully outfitted 1-bedroom, 1-bath guest house in the backyard is perfect for long-term rental income, Airbnb, or a private in-law suite. The 800+ sq. ft. detached garage, currently a wood shop, presents an incredible opportunity to be converted into a second rental home, guest quarters, or even a business space, allowing for multiple streams of income. Additional structures include a small storage shed, barn, and a chicken coop, ideal for those interested in homesteading, farming, or leasing space for livestock and equipment storage. For those who love the outdoors, this property is a true gem. A huge 6. 5 ft deep pool awaits restoration, needing only a new liner and cleaning to become a private backyard paradise. A small pond, originally stocked with koi fish, adds a serene touch and can be brought back to life with minimal effort. With no HOA restrictions, you have the freedom to customize this property to fit your visionwhether that means parking your RV, boat, work vehicles, or expanding your rental portfolio. The property is also on a septic and well water system, eliminating water and sewer bills, further enhancing its affordability and profitability. If you've been searching for a dream home with built-in income potential, look no further. This estate is perfect for an investor, entrepreneur, or homeowner wanting to maximize value while enjoying the comforts of a private, country lifestyle. With minimal upgrades, this property will shine as a high-yield rental, multi-generational estate, or luxury homestead. Don't miss this rare opportunityschedule your private tour today and bring your vision to life!

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Style: Multi Generational, Ranch, Traditional
  • Year Built: 1973
  • Garage: 2-car
  • Heating: Central, Heat Pump
  • Cooling: Central Air, Wall/Window Unit(s)
  • Approx Sq. Feet: 2,736
  • Water Front: Yes
  • Appliances: Dishwasher, Electric Range, Microwave, Refrigerator
  • MLS#: 2076213
  • Days on Market: 49 days
  • Website: https://www.raveis.com
    /prop/2076213/2731howardroad_middleburg_fl?source=qrflyer
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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2731 HOWARD Road, Middleburg, FL, 32068

$305,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 $244,000 $244,000 $244,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.007% 7.063% 6.132%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,522 $1,603 $2,043
Total Monthly Payment $1,597 $1,678 $2,118

* 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.