Big Tree Lakes vs Middleburg
Two Clay communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-11-04.
| Metric | Big Tree Lakes | Middleburg |
|---|---|---|
| Median sale price | $270K | $315K |
| Price per sq ft | $161 | $187 |
| Avg days on market | 91 days | 100 days |
| Months of supply | 14.0 mo | 3.1 mo |
| Market | Buyer's Market | Buyer-Leaning Market |
| 1-year price change | +0% | -26% |
| Recent closings | 12 | 42 |
The verdict
Middleburg carries the higher median price — about 17% above Big Tree Lakes. Homes in Big Tree Lakes sell faster (91 days on market vs 100). Middleburg is the tighter market on inventory (3.1 months of supply).
Where each one is
Big Tree Lakes and Middleburg are about 19 miles apart (straight-line, center to center) and share Clay County.
| Big Tree Lakes | Middleburg | |
|---|---|---|
| County | Clay County, FL | Clay County, FL |
| City / area | Keystone Heights | Middleburg |
| ZIP | 32656 | 32068 |
| Straight-line to downtown Jacksonville | 42 mi | 23 mi |
| Nearest Atlantic beach | 42 mi, Vilano Beach | 33 mi, Ponte Vedra Beach |
| FEMA flood zones (sampled parcels) | 85% of 20 homes outside a flood zone (Zone X) | 88% of 25 homes outside a flood zone (Zone X) |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Big Tree Lakes | Middleburg | |
|---|---|---|
| Homes for sale now | 14 | 11 |
| Under contract | 2 | 5 |
| Asking prices today | $106K to $540K | $150K to $620K |
| Listed in the last 7 days | 5 | 3 |
| Property types listed | Manufactured Home, Mobile Home, Single Family Residence | Manufactured Home, Mobile Home, Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Big Tree Lakes homes for sale · Middleburg homes for sale.
The homes themselves
| Big Tree Lakes | Middleburg | |
|---|---|---|
| Homes (parcels) | 118 | n/a |
| Built | 1983–2024 (median 2001) | n/a |
| Typical living area | 1,565 sq ft | n/a |
| Vacant lots | 149 | 0 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Price history, year by year
| Year | Big Tree Lakes median | Middleburg median |
|---|---|---|
| 2012 | $50K (19 sales) | $63K (15 sales) |
| 2013 | $58K (11 sales) | $111K (20 sales) |
| 2014 | $70K (20 sales) | $73K (27 sales) |
| 2015 | $60K (28 sales) | $101K (30 sales) |
| 2016 | $75K (26 sales) | $108K (23 sales) |
| 2017 | $75K (19 sales) | $125K (43 sales) |
| 2018 | $118K (30 sales) | $130K (37 sales) |
| 2019 | $145K (23 sales) | $180K (54 sales) |
| 2020 | $158K (25 sales) | $197K (56 sales) |
| 2021 | $170K (25 sales) | $195K (56 sales) |
| 2022 | $206K (32 sales) | $242K (78 sales) |
| 2023 | $230K (39 sales) | $275K (57 sales) |
| 2024 | $265K (34 sales) | $335K (84 sales) |
| 2025 | $260K (36 sales) | $260K (67 sales) |
| 2026 | $270K (35 sales) | $300K (42 sales) |
Since 2012, Big Tree Lakes's median sale price is +440% and Middleburg's is +376% — Big Tree Lakes has appreciated faster over that stretch.
How each one trades
| Big Tree Lakes | Middleburg | |
|---|---|---|
| Sale-to-original-list | 99.7% | 95.9% |
| New-construction share of sales | 46% | 17% |
| Typical sold home | 2,000 sq ft | 1,682 sq ft |
| Momentum market-heat score | 61 (hot) | 49 (normal) |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Big Tree Lakes | Middleburg | |
|---|---|---|
| Elementary | Mcrae | Clay Hill |
| Middle | not reported | Wilkinson |
| High school | Keystone Heights | Middleburg |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Which one fits
On budget alone, Big Tree Lakes is the lower entry point (median $270K vs $315K). Sellers get a faster sale in Big Tree Lakes (91 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Middleburg more expensive than Big Tree Lakes?
Yes, on recent sales: the median sale price in Middleburg is $315,000 versus $270,000 in Big Tree Lakes, about 17% higher.
How far apart are Big Tree Lakes and Middleburg?
About 19 miles straight-line, center to center, both in Clay County; driving distance is usually 15 to 30 percent more.
Which has appreciated more, Big Tree Lakes or Middleburg?
From 2012 to 2026 the median sale price rose 440% in Big Tree Lakes and 376% in Middleburg (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Big Tree Lakes — sellers there received 99.7% of the original list price over the last 12 months versus 95.9% in Middleburg.
What high schools serve Big Tree Lakes and Middleburg?
Listings in Big Tree Lakes most often report Keystone Heights; listings in Middleburg report Middleburg. Zoning is set by the district and can change - verify by address.
Go deeper on each: Big Tree Lakes homes, photos & schools · Middleburg homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.