3 bedroom Single Family Residence at 3949 GAREYS FERRY Way, Jennings Farm, Middleburg — photo 1Front elevation
3 bedroom Single Family Residence at 3949 GAREYS FERRY Way, Jennings Farm, Middleburg — photo 2Living space
3 bedroom Single Family Residence at 3949 GAREYS FERRY Way, Jennings Farm, Middleburg — photo 3Kitchen
3 bedroom Single Family Residence at 3949 GAREYS FERRY Way, Jennings Farm, Middleburg — photo 4Owner's suite
3 bedroom Single Family Residence at 3949 GAREYS FERRY Way, Jennings Farm, Middleburg — photo 5Exterior / yardView all 18 photos →
41 days on market Single Family Residence
$403,900
3949 GAREYS FERRY Way
Single Family Residence in Jennings Farm, Middleburg · No CDD · FEMA Zone X · Built 2024
Jennings Farm · Middleburg, FL 32068 · Clay
Listing courtesy of MOMENTUM REALTY
Listing data updated June 30, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,693Sq Ft
Acre Lot
2024Year Built
$239Per Sq Ft
At a glance
  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • Built 2024 · 2 yrs
  • $239/sq ft — below the area median of $244
  • 41 days on market
  • HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$403,900
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
1,693
Living area
Sq ft (approx.)
$239
Price / sq ft
List ÷ living area

The home

Year built2024
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.

Costs

HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$3,958/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.

Site & risk

FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.

Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.

Listing description

About this home

Some people drive an hour for the life Middleburg offers for free. Black Creek is around the corner. Jennings State Forest and Gold Head Branch State Park are practically in your backyard. This is where weekends actually feel like weekends. Zero down. Closing costs fully paid. A...

Description provided by MOMENTUM REALTY and reproduced from the MLS; not independently verified.

No surprises at closing

Estimate a monthly payment

A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.

Estimated monthly payment
$2,598
Principal & interest$2,107
Property tax$330
Insurance$112
CDD assessment$0
HOA$50
PMI$0

Down payment $80,780 · Loan $323,120. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.

Estimated ownership costs

Estimated costs & disclosures

Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.

Property tax reset
~$3,958/yr

The seller likely pays less due to the homestead cap. At a $403,900 purchase, expect your first full-year Clay bill near $3,958 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$1,340/yr

Estimate for a 2024 build in Clay. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Market data · public records

Recent sales activity in Jennings Farm

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Jennings Farm neighborhood guide for more.

Comparable sales found
6

Recent nearby closings in the data set.

Median sale price (set)
$380,394

Median closed price of the comparable set. Reference only.

Median $/sq ft (set)
$244

Median $/sq ft of the comparable set. Reference only.

This home $/sq ft
$239

List price divided by living area. Provided as data, not a value judgment.

Go deeper on Jennings Farm

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Price benchmark

Pricing & market trend in Jennings Farm

How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.

This home's $/sq ft vs. nearby sales

Price per sq ft · this home vs. recent nearby sales2150 LOG FLUE Lane2150 LOG FLUE Lane: $207/sq ft$2072104 FEATHEREDGE Way2104 FEATHEREDGE Way: $225/sq ft$225This homeThis home: $239/sq ft$2393986 GAREYS FERRY Way3986 GAREYS FERRY Way: $241/sq ft$2412100 FEATHEREDGE Way2100 FEATHEREDGE Way: $247/sq ft$2472062 FEATHEREDGE WAY2062 FEATHEREDGE WAY: $247/sq ft$2472106 BLACK GLASS Pla…2106 BLACK GLASS Place: $250/sq ft$250Median $244

Recent sold prices in this community

$280,000$508,240$736,479Jul 2025: $524,990Jul 2025: $505,990Jul 2025: $499,990Jul 2025: $570,000Jul 2025: $369,900Aug 2025: $372,900Sep 2025: $579,990Sep 2025: $563,038Sep 2025: $499,990Oct 2025: $499,990Nov 2025: $464,990Dec 2025: $599,990Dec 2025: $499,990Dec 2025: $572,208Dec 2025: $383,900Dec 2025: $389,000Dec 2025: $380,788Dec 2025: $479,990Jan 2026: $529,900Jan 2026: $519,990Feb 2026: $399,990Mar 2026: $550,990Mar 2026: $439,990Mar 2026: $378,900Mar 2026: $529,990Apr 2026: $656,029Apr 2026: $459,900Apr 2026: $419,990Apr 2026: $280,000Apr 2026: $347,900Apr 2026: $499,990Apr 2026: $736,479Apr 2026: $600,000May 2026: $569,990May 2026: $415,000May 2026: $624,471May 2026: $421,990May 2026: $600,000May 2026: $544,000May 2026: $553,990Jun 2026: $475,000Jun 2026: $380,000Jun 2026: $542,284Jun 2026: $543,990Jun 2026: $551,773Jun 2026: $560,839Jun 2026: $585,000Jun 2026: $501,990Jun 2026: $437,990Jul 2025Jun 2026
Keep exploring

More homes in Jennings Farm

Assigned schools

Assigned schools

Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

Tynes Elementary SchoolPreK-6 · Clay County School District
Wilkinson Junior High School7-8 · Clay County School District
Middleburg High School9-12 · Clay County School District
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Median of the set: $244/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

The full spec sheet

Property details & features

Interior

  • Bedrooms3
  • Bathrooms2
  • Living area1,693 sq ft

Exterior & lot

  • Lot sizeSee record
  • TypeSingle Family Residence

Systems

  • Year built2024
  • Age2 yrs

Listing

  • MLS #2146307
  • StatusActive
  • Days on market41
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Transparency

Price & listing history

Listed for $403,900Momentum Realty · on market 41 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 3949 GAREYS FERRY Way in person

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Listing agent

Listed by

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site 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 Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.