2223 COSMOS AVENUE, MIDDLEBURG, FL, 32068
Active190 days on marketListed Jan 28, 2026MLS #O6377177
About this home
2223 COSMOS AVENUE
Build your dream residence on a picturesque 1.05-acre vacant lot in the Jacksonville South community. This lot boasts 140 feet of frontage, is exempt from Homeowners Association (HOA) regulations, and is zoned for vacant residential use. Its strategic location conveniently positions it near State Roads 21 and 23, approximately 35 miles from Downtown Jacksonville and 45 miles from the Jacksonville International Airport.
Facts & features
The home at a glance
1.05 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$981 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$981/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Middleburg
Get to know Middleburg. See the full Middleburg guide →
MIDDLEBURG 32068 — neighborhood snapshot
Population
58,196
Median age
38.2
Median income
$82,410
Median home value
$264,300
Avg household
2.81
Households w/ children
7,692
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Middleburg market
$336K → $428K
Middleburg median sold, yr/yr
99.3%
Sale-to-list ratio (12 mo)
Median sold price, Middleburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the MIDDLEBURG 32068 median. See the full Middleburg market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2223 COSMOS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2223 COSMOS AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2223 COSMOS AVENUE FAQs
What would the monthly payment be for 2223 COSMOS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $981/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2223 COSMOS AVENUE?+
The most recent tax bill on record (2025) was $363. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Middleburg?+
At $125,000, this home is listed about 65% below the Middleburg median of $359,950. The market section on this page shows how the area is trending.
Which schools are assigned to 2223 COSMOS AVENUE?+
Coppergate Elementary School (elementary), Middleburg High School (high), Lake Asbury Junior High School (middle) — Clay County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the MIDDLEBURG 32068 market on paper
$125,000 is 54% below the MIDDLEBURG 32068 median of $272,990.
02Time on market is leverage
190 days on market against a Middleburg median of 4 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Coppergate Elementary School, Middleburg High School, Lake Asbury Junior High School — Lake Asbury Junior High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Shettle Huynh. MLS #O6377177.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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