Lago Del Sur

1805 LAGO DEL SUR Dr

Middleburg, FL 32068
For Sale $199,900
Price cut $205,000 ↓ $5,100 (2.5%) Sep 16
2 bd · 3 ba · 1,264 sqft · Built 2004
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of FLORIDA HOMES REALTY & MTG LLC (sweatmakesdreamshappen@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome to this beautiful move in ready townhome located in the highly desired Lago Del Sur community in Middleburg.
The most sought-after end unit!!
This two-story home offers a functional layout with a spacious living area that flows into the kitchen and dining space, ideal for everyday living and entertaining. Lawn maintenance is included, providing low-maintenance living and added convenience. Newer roof-installed 2024. Step outside to your private screened in patio overlooking the pond. Conveniently located near Blanding Blvd. and the First Coast Expressway. Close to schools, shopping, and dining. This one won't last long come see it!

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $6,997
$1,815/mo
Principal & interest$1,348
Property tax (est.)$164
Insurance (est.)$150
FHA MIP$88
HOA dues$64
CDD assessment$0
Cash to close: ~$6,997 down · MIP financed
VA
$0 down
$1,781/mo
Principal & interest$1,403
Property tax (est.)$164
Insurance (est.)$150
VA fee (financed)$0
HOA dues$64
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $39,980
$1,477/mo
Principal & interest$1,099
Property tax (est.)$164
Insurance (est.)$150
PMI$0
HOA dues$64
CDD assessment$0
Cash to close: ~$39,980 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.64% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2004
Heated area1,264 sq ft
Lot size1,955 sq ft
SubdivisionLAGO DEL SUR
Parcel (RE#)05-05-25-009016-009-47
Legal descriptionLOT 47 LAGO-DEL-SUR AS REC O R

Valuation · 2025

Value

Just / Market
$200,000
Assessed
$166,326
Taxable
$115,604
2025 Property Tax
$1,901
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$64 / Monthly
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Lago Del Sur? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Lago Del Sur every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Lago Del Sur

Other active MLS listings in Lago Del Sur.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 1805 LAGO DEL SUR Dr?
The zoned public schools for 1805 LAGO DEL SUR Dr in Lago Del Sur are Coppergate Elementary School (elementary), Lake Asbury Junior High School (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 1805 LAGO DEL SUR Dr?
The most recent annual property tax for 1805 LAGO DEL SUR Dr is about $1,901 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 1805 LAGO DEL SUR Dr?
Homes in Lago Del Sur have an HOA fee of about $64 per month (based on recent MLS listings).
How big is 1805 LAGO DEL SUR Dr?
1805 LAGO DEL SUR Dr is a 1,264 sq ft home built in 2004 in Lago Del Sur, Clay County, FL.
What would the monthly payment be on 1805 LAGO DEL SUR Dr?
At about a 7.32% 30-year rate, the estimated monthly payment for 1805 LAGO DEL SUR Dr is roughly $1,477 with a conventional loan (20% down), $1,815 with FHA (3.5% down), or $1,781 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Lago Del Sur HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.