Two Creeks in Middleburg

Two Creeks
Homes for Sale in Middleburg, FL

All 343 homes for sale in Middleburg, FL · median $339,900 · 321 homes for sale in 32068 · Clay County homes for sale

Community in Middleburg · Clay County · ZIP 32068
408 homesBuilt 1969–2021Median sale $383K
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Live Market Pulse
30/100
Market Heat
Cooler than normal
2013 → 2026 · 91 at the 2022 peak
0 is Two Creeks's coldest market since 2013, 100 its hottest. Today: 30. How it's scored
Built fromLive realMLS data15 years of closingsFL DOR public recordsUpdated twice daily

As of November 2026, Two Creeks in Middleburg, FL has 7 homes for sale and 1 pending, asking from $320,000 to $575,000 (median $360,000). Over the 12 months ending 2026-11-12, 27 recorded sales closed at a median of $383,000 (-17% versus the prior year's median), $166 per square foot, a median 48 days on market, sellers accepting 96% of original asking. Homes listed or recently sold were built 2008–2017; 20 of 20 report an HOA (median $7/mo); none of the 20 geocoded homes sit in a FEMA special flood hazard zone (median elevation 74 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $5,770 ($5,170 with the full homestead exemption).

Last 30 days in Two Creeks: 2 new listings (median asking $467,500), 1 under contract right now. As of November 12, 2026, realMLS.

Live · Two Creeks Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$383K ▼
Median sold · 12 mo
down 17.2% vs the prior 12 months
-17.2% ▼
1-yr price change
n = 27 and 28 sales in the two windows
$166/sf
Sold $/sqft · 12 mo
peak $182 in 2024
95.7%
Sale vs ask
+125%
T12M median vs 2012
from a $170K median in 2012
Tempo
3.1mo
Supply
3 to 6 months is the balanced band
48days
Median DOM · closed
15 days at the 2022 low
13%
Under contract
Clay: 24% (403 of 1,682)
7 · 1
For sale · pending
live counts, refreshed twice daily
27
Sold · last 12 mo
10-yr average: about 45 a year
Ownership and context
62%
Owner-occupied · Two Creeks
254 of 411 parcels homesteaded (FL DOR 2025)
38%
Non-owner-occupied · Two Creeks
incl. 8% trust or LLC-held · 12% out-of-state
408
Homes in the community
plus 3 vacant residential lots · 411 residential parcels (FL DOR 2025)
Track record · 15 years of records
26
Recorded sales · 2024-2025
median $390K · qualified sales on the county roll (FL DOR 2025)
1969–2021
Years homes were built
median 2012 · county roll (FL DOR 2025)
2,347sqft
Median sold home size
12-mo windows, closed sales
6.6%/yr
Turnover rate
about 27 of 408 homes trade a year

Two Creeks Middleburg: Is $383K Worth It? (2026)

Two Creeks is a Middleburg community with a $383K median sold price and 48 median days to sell. Numbers from realMLS, county property appraisers and public records, listings updated nightly on this page.

Two Creeks Middleburg: Is $383K Worth It? (2026)

1 min 57 s · Momentum Realty on YouTube · data from realMLS, county property appraiser, Citizens, FEMA · Equal Housing Opportunity

Key moments

Transcript

Two Creeks, in Middleburg, is a Clay County community where the median sold price over the last 12 months is 383,000 dollars, and homes take a median of 48 days to sell. Here's what that means if you're watching this one.

Two Creeks has about 408 homes, built between 1969 and 2021, in Middleburg, in Clay County. Over the last 10 years it has averaged about 45 sales a year, and 27 homes sold in the last 12 months. Every number in this video comes from the community page at move with momentum dot com, from realMLS and public records.

In the last 12 months, 27 homes sold at a median of 383,000 dollars. That's 166 dollars a square foot, below a 2024 peak of 182, at 95 point 7 percent of asking. Right now 7 homes are listed and 1 is pending.

13 percent of homes here are under contract, against 24 percent across Clay County, which typically means less competition for the homes that list. That's typical, not a promise. Homes here have sold at 95 point 7 percent of asking, against 96 point 7 percent for the county, so compare each home to recent closings, not to asking prices. Verify whether an HOA or a CDD applies.

Ask for the current tax bill, and remember that Florida resets the assessed value after a sale, so the seller's bill usually isn't what you'll pay. Ask whether there are HOA dues and what they cover, and whether a CDD assessment applies. Check the FEMA flood map by address, and get insurance quoted by address.

Get an email the moment new homes list: the alerts box is on the Two Creeks page at move with momentum dot com, updated every night. I'm Jon Brooks with Momentum Realty.

Homes For Sale Right Now in Two Creeks

Live MLS inventory for Two Creeks. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Two Creeks listings as of 2026-11-12, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 14, 2026

Two Creeks is a 658-home community in Middleburg (Clay County) with a median price of $440,000, or about $167 per square foot on a median living area of 2,479 square feet — a larger-than-typical footprint. Right now price is being set by scarcity as much as by finish level: just 5 active listings against 33 closings in the tracked window puts months of supply at 1.9, which is why this reads as a seller-leaning market.

The trend line backs that up — prices are up 7.3% year-over-year and 159% since 2012, with homes moving in a median 41 days. About 64% of homes here carry a homestead exemption, meaning most owners have claimed the property as a primary residence rather than an investment. For a buyer, thin inventory and a quick pace mean coming prepared to move; for a seller, the current numbers are in your favor.

Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Two Creeks Housing Pulse · Momentum Research · as of November 12, 2026

Two Creeks right now

🟡 Balanced market. 3.1 months of supply and 12% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 12, 2026. Confidence: Very High (8 active and pending listings, 27 closed sales in 12 months).

🔴 Off the recent peak. The trailing-12-month median ($383K) is down 17.2% from the prior 12 months ($462K) and up 125% since 2012.Momentum Research, record-level realMLS closed sales, 12-month windows ending November 12. Confidence: High (27 and 28 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated November 13, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Two Creeks market snapshot (as of November 12, 2026): the median sale price is about $383K ($166 per sq ft over the trailing 12 months of closed sales), a median 48 days on market for closed sales, and 3.1 months of supply, a balanced market. The trailing-12-month median is down 17% from the prior 12 months and up 125% since 2012, computed from record-level realMLS closed sales (27 closings in the current window).

In ZIP 32068 (Middleburg), 1,084 homes closed in the last 12 months at a median of $320K ($185/sq ft), up 2.0% year over year, with a median 45 days on market. Right now 277 active and 85 pending listings put supply at about 3.1 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.

County records show 26 qualified sales in Two Creeks across 2024–2025 (14 in 2024, 12 in 2025), median $390,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Two Creeks: of 16 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Middleburg.

Two Creeks is a community of 408 homes in Middleburg, Clay County, built between 1969 and 2021 (median 2012), with a median living area of about 2,231 square feet. 62% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Built mostly in the 2010s (median year built 2013, with homes dating from 1969 to 2021), Two Creeks is a gated, amenity-heavy community whose 658 homes carry a median living area of 2,479 square feet.

Best for

  • A buyer targeting a home near the $440,000 median who wants a gated community with a full amenity package (pool, clubhouse, fitness, tennis, pickleball).
  • A seller with a well-maintained, move-in-ready home who wants to list into a seller-leaning market with a 41-day median pace.
  • A buyer who has financing and decisions ready to go quickly, given only 5 active listings and 1.9 months of supply.

Probably not for

  • A buyer who wants to compare a wide range of active listings before committing — there simply are not many on the market at once.
  • A budget-driven buyer set on a number well under the $440,000 median, since that is the only price point this snapshot supports.
  • A buyer who prioritizes a brand-new build — the community's median year built is 2013, with construction dating back to 1969.

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending November 12 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($383K) IS the median in the snapshot above, and the move from 2025 ($462K) IS the -17.2% one-year change.

Windows contain 24 to 74 sales each (27 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$200K$400K20122014201620182020202220242026
Down 17.2% year over year; up 125% since 2012.
Every sale since 2011 · price vs size
$0$200K$400K$600K1k2k3k4k
724 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$15020122014201620182020202220242026
Up from $83 in 2012 to a $182 peak in 2024; $166 now.
Median days on market · closed sales
5010020122014201620182020202220242026
15 days at the 2022 low; 48 now.
Sale price vs original ask · median
94%96%98%100%20122014201620182020202220242026
95.7% now.
Homes sold per 12-mo window
020406020122014201620182020202220242026
24 to 74 a year; 27 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
91 at the 2022 peak, 21 in the troughs, 30 now. Same score as the hero card, full history.

Two Creeks Market Scorecard

Seller's market

Two Creeks is currently a seller's market. About 3.4 months of supply, a median asking price of $360,000, and homes go under contract in about 49 days.

3.4
Months supply
$360,000
Median list
$381,500
Median sold
$180
Per sqft
49
Days on mkt
7/1/25
Active/Pend/Sold

Typical home value in the 32068 ZIP is $325,317, about 19.1% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · 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.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

The takeaway

Everyday stops around Two Creeks are close: the nearest parks is about 2 minutes away.

Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.

Nearby Communities

Explore more neighborhoods near Two Creeks with Momentum Realty’s local guides.

Prairie Dunes Orange Park0.8 mi awayPine Ridge Acres1.0 mi away · 56 homes, built 2011–20Southern Hills Orange Park1.0 mi away · 199 homes, built 2006–22Pine Ridge Middleburg Clay1.0 mi away · median $334K, 30 sales/12 moEagle Landing Oakleaf Orange Park1.1 mi away · median $585K, 48 sales/12 mo

Browse all neighborhood guides →

Schools

In short
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Tynes Elementary (Clay)FLDOE grade B · Public PreK-6
  • Wilkinson Junior High (Clay)FLDOE grade A · Public 7-8
  • Middleburg High School (Clay)FLDOE grade A · 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 Two Creeks address.

Recent Developments in Two Creeks

Development, infrastructure, retail, and school activity affecting Two Creeks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Dev Momentum53/100 · Active
  1. June 2026
    Development

    Hyland Trail breaks ground on Lodge Amenity Center in southern Clay County

    GreenPointe Holdings held a groundbreaking for the Lodge Amenity Center at Hyland Trail, a community near the newly opened stretch of the First Coast Expressway in the Lake Asbury area of Clay County. The center is planned with a beach-entry pool and splash zone, an exercise facility, pickleball courts, and multi-use pathways, with completion slated for 2026. Hyland Trail and adjacent GreenPointe neighborhoods are set to add more than 3,000 homes, with Dream Finders and Pulte offering single-family homes from the $300s and a Lennar active-adult section called Edenbrooke.

    What it may mean for the marketA large amenity-anchored buildout opening nearby may broaden the range of new-construction options buyers compare against an established community like Two Creeks.

    Source: News4Jax
  2. December 2025
    Development

    Planned 4,000-home Agricola master-planned community seeks permits in Clay County

    Fort Lauderdale-based BTI Partners is advancing a master-planned community on the roughly 3,145-acre Agricola property in Green Cove Springs off U.S. 17, which it bought for $93 million. The plan calls for about 4,000 residential units, including 2,170 single-family homes, 370 townhomes, and 1,460 multifamily units, plus schools and trails. The St. Johns River Water Management District began reviewing an environmental resource permit after the county approved rezoning in October.

    What it may mean for the marketA development of this scale could add substantial housing supply and supporting infrastructure to the broader Clay County corridor over time.

    Source: Jacksonville Daily Record
  3. November 2025
    Retail & Dining

    Clay Town Center in Middleburg signs and opens eight new tenants

    Paradigm Partners reported leasing progress at Clay Town Center, an 18,500 square foot mixed-use retail and restaurant development in Middleburg. Mattress Warehouse, MedPlus Pharmacy, Domino's Pizza, and Wingstop opened earlier in the year, while Anejo Cocina Mexicana and Verde Vida Healthy Kitchen debuted that month, with Sizzling Nails and Firehouse Subs expected to follow. The center is projected to create more than 100 local jobs.

    What it may mean for the marketA maturing retail and dining cluster in Middleburg may add everyday conveniences within reach of area neighborhoods like Two Creeks.

    Source: Shopping Center Business
  4. September 2025
    Builder Activity

    Century Communities buys land for 170-home Asbury Creek near Middleburg

    Century Communities closed on a land deal off Henley Road in Green Cove Springs for a new single-family community called Asbury Creek, planned for 170 homesites. Sales are anticipated to begin in mid-2026, and the community is planned with no CDD fees along with amenities including a pavilion, playground, and multi-use field. The builder cited access to downtown Jacksonville via the completed First Coast Expressway.

    What it may mean for the marketA no-CDD builder community nearby may give buyers an additional comparison point on monthly carrying costs.

    Source: PR Newswire
  5. August 2025
    Infrastructure

    First Coast Expressway opens 18-mile Clay County stretch ahead of schedule

    An 18-mile segment of the First Coast Expressway, State Road 23, opened in Clay County running from State Road 21 to U.S. 17 in Green Cove Springs, well ahead of a previously projected spring 2026 completion. FDOT noted tolls would not begin until September 15, allowing a free trial period. The remaining link from Green Cove Springs to the Shands Bridge was reported as still under construction.

    What it may mean for the marketImproved regional highway connectivity could affect commute times and accessibility for communities across the Clay County corridor including Two Creeks.

    Source: News4Jax
  6. January 2025
    Infrastructure

    Clay County widening County Road 218 in Middleburg to four lanes

    Clay County is reconstructing County Road 218 from Masters Road to Pine Tree Lane in Middleburg, converting the two-lane road into a four-lane urban roadway. The roughly $26.2 million project adds a median and turn lanes, curb and gutters, sidewalks, and bike lanes, with construction having begun in summer 2024. The work is part of the county's Bonded Transportation Program.

    What it may mean for the marketWidening a key Middleburg corridor near Two Creeks could ease traffic flow, though active construction may create temporary disruptions.

    Source: Clay County, FL

Development alerts for Two CreeksGet a short monthly email when something new is approved, funded, or opens near Two Creeks.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Two Creeks today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Two Creeks.

Best Buy
Buyers and sellers who want a settled, amenity-rich community and are ready to move at the pace the current market sets.
Biggest Risk
With just 5 active listings and 1.9 months of supply, buyers have very little to choose from at any given moment.
Sweet Spot
A median-price home near $440,000 with 2,479 square feet of living space, built in the community's dominant 2013-era wave.
Avoid If
You need a wide selection to compare in person before deciding — inventory here is too thin for that kind of shopping.

Supply, pace, and what you get for $440K

With only 5 active listings and 1.9 months of supply, Two Creeks is tight by any measure — 33 closings moved through in the tracked window while inventory stayed thin, which is the mechanical reason the seller-leaning label applies. A median 41 days on market confirms that priced-right listings are not sitting long. Buyers should expect competition on well-presented homes; sellers should expect a receptive market, not a blank check.

The community's amenity package is unusually deep for its size: pool, children's pool, clubhouse, fitness center, playground, tennis courts, a basketball court, pickleball, a jogging path, a park, barbecue area, and gated/security-gate access with maintained grounds. That amenity density, paired with a median build year of 2013 and 2,479 square feet of median living space, is a meaningful part of what buyers are paying for at the $440,000 median — verify current amenities and access directly with the HOA, since offerings are reported across MLS listings and can change.

“

The location and the amenities are priced into every listing in Two Creeks. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
6.0C+ · Buy Score
Long-Term Appreciation8.0/10
Recent Direction1.7/10
Liquidity & Demand6.9/10
Owner Commitment6.2/10
Pricing Power7.1/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (6.0). Basis: Long-Term Appreciation +125% since 2012; Recent Direction -17.2% year-over-year; Liquidity & Demand 3.1 months of supply; Owner Commitment 62% owner-occupied; Pricing Power 95.7% sale-to-list. Refreshed with each data update.

Why work with Momentum here

Two Creeks moves fast and shows thin on the active side — 5 listings against a 1.9-month supply leaves little room for guesswork. We track this community's closings, pricing, and pace directly off the realmls feed so pricing and offer strategy are built on the current snapshot, not a stale estimate, whether you are trying to win a home in a 41-day market or price one to sell into it.

Two Creeks in 15 seconds.

Best forBuyers and sellers who want a settled, amenity-rich community and are ready to move at the pace the current market sets.
Biggest advantageA deep amenity package — pool, clubhouse, fitness center, tennis, pickleball, and gated access — bundled into an established, mostly 2010s-built community.
Biggest riskWith just 5 active listings and 1.9 months of supply, buyers have very little to choose from at any given moment.
Sweet spotA median-price home near $440,000 with 2,479 square feet of living space, built in the community's dominant 2013-era wave.
Avoid ifYou need a wide selection to compare in person before deciding — inventory here is too thin for that kind of shopping.

What it really costs to own in Two Creeks

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxAt today's median asking price of $360,000, the first-year bill with homestead is about $4,800/yr (Clay County total millage 15.053 mills, FY2025-26, Clay County Property Appraiser, FY2025-26 adopted budget).
HOA duesMLS listings here mostly enter dues as billed annually, but the median entry is only $89/year across 10 listings (2026-11-13), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues.
Home and flood insuranceThe average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 16 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes).

Email me new listings in Two Creeks

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Two Creeks

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Two Creeks will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Two Creeks homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Two Creeks.
In short
  • No CDD
  • HOA dues in listing data look inconsistent (~$89/year entered). Confirm current dues with the association

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.

Flood & Insurance Context

Of 16 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).

Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.

Source: FEMA National Flood Hazard Layer, address-level lookups (n=16) · as of 2026-11

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Two Creeks sales matched to your home.

What is your Two Creeks home worth?

Get a no-obligation home value based on real comparable sales in Two Creeks, 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 all homes for sale in Middleburg →

Real comps, not an automated estimate.

Recently off market in Two Creeks

Homes in Two Creeks that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

Two Creeks key facts
LocationMiddleburg, Clay County, FL · ZIP 32068
Homes in the community408 (FL DOR 2025 assessment roll)
Years built1969–2021 (median 2012)
Typical living area2,231 sq ft (median)
Home types (current listings and sales)single-family 100%
Amenities listed by sellersClubhouse, Playground, Tennis Court(s), Basketball Court, Children's Pool, Fitness Center
Sale prices, last 12 months$383,000 median across 27 closed sales · $166 per sq ft · -17.2% vs the prior 12 months
Days on market (closed sales)48 median
For sale right now7 active, 1 pending · median asking $360,000 · 3.1 months of supply
Owner-occupied (homestead) share62%
Zoned public schoolsTynes Elementary (Clay) (B, FLDOE 2025-26); Wilkinson Junior High (Clay) (A, FLDOE 2025-26); Middleburg High School (Clay) (A, FLDOE 2025-26)

Data as of November 12, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Two Creeks key facts,” movewithmomentum.com/neighborhoods/two-creeks-middleburg, data as of November 12, 2026.

Housing distress & ownership in Two Creeks, Middleburg

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
9.09%
2 of 22 listings · short sale 2
Median closed sale price — $371,250 · ▼ 13.5% yr (12-mo rolling)
Distress share trend — 9.09% now (2026-08-10 → 2026-11-12)

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.

Just listed in Two Creeks

The newest homes for sale in Two Creeks right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in Two Creeks Middleburg Right Now (8)

All 8 active and pending Two Creeks Middleburg listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Frequently Asked Questions

What is the median home price in Two Creeks?
The median sale price in Two Creeks was $383K over the 12 months ending November 12, 2026 (27 closed sales, realMLS).
How long do homes in Two Creeks take to sell?
Homes that closed in the 12 months ending November 12, 2026 took a median 48 days on market (27 sales, realMLS).
Is Two Creeks a buyer's or seller's market right now?
As of November 12, 2026, Two Creeks is roughly balanced: 3.1 months of supply at the current sales pace (realMLS live counts).
How many homes are in Two Creeks?
The Florida DOR 2025 assessment roll shows 408 homes plus 3 vacant residential lots in Two Creeks (public records).
What share of Two Creeks is owner-occupied?
62% of Two Creeks parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Two Creeks built?
Homes in Two Creeks were built between 1969 and 2021, with a median year built of 2012 (FL DOR 2025 roll).
Have Two Creeks home prices gone up?
The trailing-12-month median is up 125% since 2012, from $170K to $383K (realMLS closed records).
What schools serve Two Creeks?
Two Creeks is served by Clay County Public Schools, typically Tynes Elementary (Clay), Wilkinson Junior High (Clay) and Middleburg High School (Clay). Confirm the exact zoning by address with the district.
Who is the best real estate agent for Two Creeks?
The best agent for Two Creeks is one who actively works Middleburg and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Two Creeks.
How do I find a top Middleburg real estate agent who knows Two Creeks?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Two Creeks and the wider Middleburg area.
Can Momentum Realty connect me with an agent for Two Creeks?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Two Creeks purchase or sale - no call center and no pressure.
Where is Two Creeks, and what county is it in?
Two Creeks is in Middleburg, Clay County, FL, ZIP 32068.
How far is Two Creeks from downtown Jacksonville and the beach?
About 18 miles from downtown Jacksonville and about 30 miles from the Atlantic beach at Ponte Vedra Beach, both straight-line; driving distance is usually 15 to 30 percent more.
Is Two Creeks in a flood zone?
No, for the homes we can see: all 16 homes we sampled in Two Creeks sit outside a FEMA Special Flood Hazard Area (Zone X), where a lender does not require flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
Is Two Creeks a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Two Creeks: the median sale price over the last 12 months was $383K (27 sales), 22% above the Middleburg median of $315K; homes took a median 48 days to go under contract; the assessment roll counts 408 homes, 62% of them homesteaded (owner-occupied); listings report Tynes Elementary (Clay) (B), Wilkinson Junior High (Clay) (A), Middleburg High School (Clay) (A) as the zoned schools, with FLDOE grades for 2025-26; supply is 3.1 months at the current sales pace, which is balanced. The full numbers, price history and the flood and school sections are above.
A buyer targeting a home near the $440,000 median who wants a gated community with a full amenity package (pool, clubhouse, fitness, tennis, pickleball).Excellent fit
A seller with a well-maintained, move-in-ready home who wants to list into a seller-leaning market with a 41-day median pace.Excellent fit
A buyer who has financing and decisions ready to go quickly, given only 5 active listings and 1.9 months of supply.Excellent fit
A buyer who wants to compare a wide range of active listings before committing — there simply are not many on the market at once.Probably not
A budget-driven buyer set on a number well under the $440,000 median, since that is the only price point this snapshot supports.Probably not
A buyer who prioritizes a brand-new build — the community's median year built is 2013, with construction dating back to 1969.Probably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: November 12, 2026)
Community market statsrealMLS closed sales, 12-month windows ending November 12, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (5 streets, ZIP 32003/32068))
Under-contract sharesrealMLS records, as of 2026-11-12
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2011 (724 transactions analyzed)

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.

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