Amberly
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.

Amberly is an early-phase GreenPointe master plan riding the new Cathedral Oak Parkway and First Coast Expressway interchange that opened in August 2025, which is what makes its commute math work. The leverage for a buyer is the early-phase trade: lowest base pricing, best lot selection, and heavy incentives, against years of construction and a CDD line. Comp within the series and verify the full fee stack before you sign.
The 60-Second Overview
The land west of CR-218 filled in fast once the First Coast Expressway and Cathedral Oak Parkway arrived, and Amberly is one of the larger plays: a GreenPointe master plan of about 725 Dream Finders homesites on roughly 270 acres, riding the same Clay County growth and the new expressway interchange about 2 miles east.
Amberly reads as a brand-new community in active build: model homes open, move-in-ready inventory on Humphrey Street and Holstein Way, homesites releasing across the 40, 50, and 60 foot series, and an amenity campus going in. Shadowlawn Elementary sits immediately next door, which anchors both the daily routine and the resale story.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Amberly is best for.
Best for
- Buyers who want brand-new construction at a Clay County price
- NAS Jax and Cecil-corridor households using the new expressway
- Buyers chasing the A-rated district with an elementary next door
- Early-phase buyers who want the best lot selection and incentives
- Buyers priced out of St. Johns who still want a builder warranty
Probably not for
- Buyers who need a settled neighborhood with delivered amenities today
- Buyers who want to avoid a CDD line entirely
- Buyers who cannot tolerate years of nearby construction
- Buyers whose real commute runs to the beaches or the Southside
- Buyers who will not verify the full HOA and CDD fee stack
The market around Amberly
Amberly is too small for its own price trend, so here is the market around it.
Across Clay County, 1,172 homes are active and 480 pending (29% under contract).
ZIP and county figures describe the wider market, not Amberly specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Amberly
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
How far is everything?
Everyday stops around Amberly are close: the nearest dining is about 9 minutes away.
- Master Wok · Dining9 min
- Meant For Me Gifts · Shopping10 min
- Ronnie Van Zant Memorial Park · Parks10 min
- Booming Black Pup Tanks · Coffee11 min
- SmithSteading, LLC · Groceries14 min
- Doctors Inlet Internal Medicine Spine and Pain · Health18 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Shadowlawn ElementaryFLDOE grade A · Public K-6, adjacent to the community
- Lake Asbury Junior HighFLDOE grade A · Public 7-9
- Clay High SchoolFLDOE grade B · Public 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Amberly address.
The Amberly buying strategy.
If we were buying in Amberly today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Amberly.
The Homes & Style
Amberly is a brand-new GreenPointe master plan of about 725 homesites on roughly 270 acres, with Dream Finders Homes as the exclusive builder. The product spans three series on 40, 50, and 60 foot homesites, one- and two-story plans from roughly 1,622 to about 3,518 square feet, 3 to 5 bedrooms, with 3-car garage options on the larger series.
The buyer pool skews to first and second move-up buyers, NAS Jax and Cecil-corridor households using the new expressway, and buyers priced out of St. Johns County who want new construction without the St. Johns premium.
Because the community is in active build, resale prices against active builder inventory and whatever incentive Dream Finders is running that month, so negotiate accordingly and comp within the series.
The decisions here are series, plan, and lot. The 40-foot series is the entry door; the 50-foot series is the practical middle with the widest plan range; the 60-foot series carries the largest footprints and the 3-car garage options that should photograph best at resale.
Living Here — The planned amenity campus is the package GreenPointe announced: a clubhouse, resort-style pool, fitness studio, playground, dog park, multi-purpose lawn, a sports field, and pickleball courts. Amberly is early in its build-out, so confirm in writing which amenities are open today versus under construction, and get the developer's current delivery window rather than relying on renderings.
Day to day, the rhythm is school mornings and the new-corridor routine: Cathedral Oak Parkway east to the First Coast Expressway, the CR-218 and Blanding retail run for groceries and errands, and Oakleaf Town Center about 20 to 25 minutes out for the big-box and dining load.
Shadowlawn Elementary sits immediately next to the community, which is a genuine daily-life advantage for households with school-age kids and a resale story that holds.
Buying here in 2026 means living in an active construction zone for several years, truck traffic and early framing crews included; that is normal for a 725-homesite plan and it belongs in the lot choice.
Before You Offer — Inland Clay County is quietly one of the better insurance stories in Northeast Florida: no coastal wind-pool exposure, new construction built to current Florida code, and brand-new roofs, which together typically price well below older coastal stock. Still, the site is threaded with stormwater lakes and wetland edges, so individual lots can touch mapped flood zones. Pull the FEMA panel and a real insurance quote on the specific lot during your contract period.
Budget for the CDD. Early MLS listings in Amberly have shown a community development district assessment collected on the property-tax bill, consistent with how GreenPointe master plans finance infrastructure and amenities. The exact amount varies by lot and phase and the district's budget changes year to year, so pull the projected full tax bill, CDD included, for the specific homesite before you sign.
Confirm utilities for your section in writing; Clay County Utility Authority serves most of this corridor for water and sewer, and electric territory varies by parcel. Ask the builder which fiber internet providers are wired into the community; new Clay corridors are commonly served by fiber, but get the named provider, not an assurance.
Clay County total millage is generally lower than the City of Jacksonville, though it varies by district and any CDD is billed separately. The Florida homestead exemption for 2026 is 51,411 dollars for those who qualify, and the deadline to file a new homestead exemption is March 1. Plan for the post-sale reset: when you buy, the prior owner's Save Our Homes cap ends and the assessed value resets to the new just value, so budget the true number.
Comparisons — Amberly's natural cross-shops are the other new master plans on this fast-growing Clay corridor. Against GreenPointe's own Granary Park in Green Cove Springs, Amberly is the newer release with the adjacent elementary and the brand-new Cathedral Oak Parkway access, while Granary Park is further along its build-out with a more settled amenity picture. Against Jennings Farm a short drive away, Amberly is not gated and carries a CDD, but it opens lower near 299,990 dollars, offers a broader Dream Finders plan range, and sits next door to the zoned elementary; Jennings Farm answers with a gate and advertised no CDD, so run both fee stacks side by side. Against Hyland Trail, also a GreenPointe corridor plan, the choice comes down to which amenity timeline and which series fits, not a quality gap. The honest summary: Amberly wins on newness, plan range, and the school next door, and gives ground on the CDD line and the years of construction still ahead.
Who It Fits — Amberly fits the buyer who wants brand-new construction at a Clay County price, the NAS Jax or Cecil-corridor household that now has a real expressway commute, the buyer chasing the A-rated district with an elementary next door, and anyone priced out of St. Johns County who still wants a new home and a builder warranty. It also fits buyers who value the lowest base pricing, best lot selection, and heavy early-phase incentives. It does not fit the buyer who needs an established neighborhood with mature trees and delivered amenities today, the buyer who wants to avoid a CDD line entirely, the buyer who cannot tolerate years of nearby construction, or anyone whose real commute runs to the beaches or the Southside, who should drive that route at rush hour before falling for the model home.
The location and the amenities are priced into every listing in Amberly. The deal is won or lost on condition, the comps, and the renovation math.
Why Momentum
Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, years of closed sales, and a renovation-by-renovation read of what moves value here. No automated value estimates, no guesswork.
Amberly in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$626/year
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Amberly buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Amberly sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Amberly, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Amberly home worth?
Get a no-obligation home value based on real comparable sales in Amberly, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Amberly on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Amberly Market Scorecard
Amberly is currently a balanced market. About 4.6 months of supply, a median asking price of $399,990, and homes go under contract in about 64 days.
Go deeper: county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
What schools serve Amberly?
Who is the best real estate agent for Amberly?
How do I find a top real estate agent who knows Amberly?
Can Momentum Realty connect me with an agent for Amberly?
Should you buy in Amberly?
An honest fit check - including when this is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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