2098 HERMITAGE Place, Middleburg, FL 32068

• 3 beds |
• 2 baths |
• 1,512 sqft

Property Description

USDA eligible -- zero down payment financing available for qualified buyers. One full acre. NO HOA. Built in 2023. This is the combination buyers are actively searching for -- the opportunity to purchase with little to no money down while gaining real land and newer construction. Built in 2023, this 3-bedroom home offers an open-concept layout with granite countertops, stainless steel appliances, durable vinyl plank flooring, and a split-bedroom design built for everyday living. Step outside through French doors and you'll find a full acre of usable, unrestricted property. Park the RV. Bring the boat. Add chickens. Build a workshop. Plant a garden. No HOA approvals. No parking notices. No restrictions dictating how you use your land. With major systems still young and the AC recently serviced, buyers gain the peace of mind that comes with newer construction -- without the timeline or uncertainty of building from scratch. USDA eligibility, acreage, and no HOA restrictions are not easy to find in one property.

Listing Status:

Active

Date Added:

February 27, 2026

Data Last Updated:

February 28, 2026 at 6:35AM

Listing Office:

HERRON REAL ESTATE LLC : 904-729-4313

Listing Agent:

NYKKI VAN HOF : 904-864-5675

MLS ID:

2132191

Interior

• General: Breakfast BarCeiling Fan(s)Split Bedrooms
• Appliances: DisposalDishwasherElectric RangeElectric Water HeaterMicrowaveRefrigerator
• Laundry: In Unit
• Flooring: CarpetLaminate
• A/C: Central Air
• Heating:

Exterior

• Style: Ranch

Construction

• Roofing: Shingle
• General: FrameFiber Cement1

Location

• Originating MLS: realMLS (Northeast Florida Multiple Listing Service)
• County: Clay

Lot

• Zoning: 05052400593200811
• Current Use: Single Family

Utilities

• Utilities: Cable ConnectedElectricity Connected
• Water: Well
• Sewer: Septic Tank

Financial

• Source: realMLS (Northeast Florida Multiple Listing Service)