Single Family Residence in Middleburg · No CDD · Built 2025
Middleburg · Middleburg, FL 32068 · Clay
Listing data updated July 15, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,000Sq Ft
2025Year Built
$202Per Sq Ft
2-car garageNew constructionNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
14% above
$/sq ft vs community
$202 here vs $177 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
4.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~29 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $405k tops 9 of the last 12 closed sales; also one of the largest homes here at 2,000 sq ft
Listed at $405,000 — recent neighborhood median sale price ~$260,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: Schools Middleburg is served by the Clay County SchoolCommunity built 1970–2026Kroger · 3 min driveRoyal Moose Coffee Company · 3 min driveMcDonald's · 4 min drive
Momentum Research · Middleburg
Pricing & the Middleburg market
How this home is priced against recent nearby sales, and where Middleburg has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Middleburg
Each dot is a closed sale since 2001 (820 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $202/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 40 (normal).
Property timeline
This home’s history
2025BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,542/mo
Principal & interest $2,052/mo81%
Taxes $331/mo13%
Insurance $109/mo4%
HOA $50/mo2%
$2,542/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area15
This home $202/sq ft vs the community 12-month median $177/sq ft.
Affordability0
List price $405,000 vs the community median $260,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~29 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity58
Community median 32 days on market, ~4.9 months of supply (12-month record).
Renovation upside10
From a 2025 build and $202/sq ft vs the community median $177/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power58
Recent sales closed at about 96.4% of original asking (~3.6% below). More room below asking generally favors buyers.
Market timing60
Momentum Market Heat is 40/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.9 months of supply in the surrounding market and 1 days on market for this home, against a 32-day area median.Days on market:this home 1Area median: 32 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of July 14, 2026.
🟡 Asking $202 per square foot, about 14% above the community’s $177 median. Middleburg’s 12-month median sold price per square foot is $177. Median sold price per square foot is down 13.9% year over year. Confidence: Very High · 45 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Middleburg sales closed near 96.4% of original asking. Cash paid for about 50% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 14, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 18 active listings in Middleburg, no CDD assessment.
Updated July 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to your dream home! 3-bed 2-bath 2- car garage located on just over an acre 1.12. The split floor plan offers privacy for the master suite.
As you step inside the living area, The open floor plan creates a seamless flow between the living room, dining area, and kitchen. Country living offers a level of privacy and peace that's hard to find elsewhere. NO HOA & NO CDD FEES.
Bring all your toys, Boat Rv ATVS. Don't miss the opportunity to make this stunning property your forever home. Conveniently located near shopping centers, schools, parks, and major highways, you'll have easy access to everything you need.
Description provided by MAGNOLIA & OAK REAL ESTATE COMPANY LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$405,000
Bed / bath3 / 2
Living area2,000 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
MLS #2155199
Listing statusNew — 1 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~29 ft
Windstorm exposureLow
CountyClay
Area listings18 active · 6 under contract
Estimated first-year tax~$3,969/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$202
Estimated monthly payment$2,542
Insurance (illustrative)$1k–$2k/yr
Messtimate range$384,000 – $564,000
Comparable-sales median$260,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$384,000the mess$564,000
Actual list price: $405,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 47% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a 32-day community median
18 active listings competing, 6 under contract
≈4.9 months of supply
44 closed here in the last 12 months
For reference, this home is listed at $405,000 ($202/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,000 sq ft × $192–$282/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 15, 2026.
Keep looking
Similar homes for sale near Middleburg
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $405,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,969/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
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
~29 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.
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.
Market data · public records
Recent sales activity in Middleburg
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 Middleburg neighborhood guide for more.
Comparable sales found
5
Recent nearby closings in the data set.
Community median sale price
$260,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$177
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Middleburg
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
Armstrong Plaza plan advances in Middleburg
A regional project update reported that Armstrong Plaza in Middleburg is moving ahead, with plans to turn an uncleared lot into a two story, roughly 10,000 square foot building. The proposed mix includes a cigar bar, a sit down restaurant and a drive thru liquor store.
Why it matters: The project could bring additional dining and retail space to Middleburg if it clears the remaining approvals, though timing was not stated.
Take 5 Oil Change eyes third Clay County site in Middleburg
Take 5 Oil Change is proposing a Middleburg location on the east side of Blanding Boulevard, just south of Old Jennings Road and about 1.5 miles north of the First Coast Expressway, which would be its third Clay County store. BGE is the civil engineer and COR3 Design is the architect. The Clay County Development Review Committee was scheduled to review the proposal in late June.
Why it matters: A new quick lube outparcel could add to commercial activity along Blanding Boulevard if it passes county review, but the plan was still early in the process.
Florida Credit Union plans its first Northeast Florida branch in Middleburg
Gainesville based Florida Credit Union is planning what would be its first Northeast Florida branch at Branan Field Road and Irvin Court off Blanding Boulevard in Middleburg. A development plan permit application lists a 5,600 square foot building with three drive-thru lanes, with CHW Professional Consultants as the civil engineer. County records show the credit union has owned the vacant parcel since 2013.
Why it matters: A new financial services building near Branan Field Road could add to commercial development in the Blanding Boulevard area, though the project remains at the permit application stage.
AutoZone proposed on County Road 220 in Middleburg
AutoZone Auto Parts is seeking to build a 6,815 square foot store at 2603 County Road 220 off Tara Farms Drive on a vacant Middleburg lot, which would be the chain's sixth location in Clay County. The plans are under county review, with the Development Review Committee set to discuss the project June 25 as an early step toward permitting. St. Louis based Casco Civil is listed as the civil engineer.
Why it matters: A new auto parts store along County Road 220 could broaden everyday retail options in Middleburg, though the project is at an early review stage and approval is not assured.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Kroger 3 min
Dining
McDonald's 4 min
Shopping
Middleburg Village Center 6 min
Parks
MSGT. John E. Hayes Memorial Park 5 min
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.
GRADEB
Tynes Elementary SchoolPreK-6 · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Wilkinson Junior High School7-8 · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Middleburg High School9-12 · Clay County School District · Grade A (Florida DOE 2025-26)
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.
Sold Jul 2026
$300,000
2355 WALTERS Road, Middleburg
4 / 3 bd/ba · 2,128 sq ft · $141/sq ft
Courtesy of JOSEPH WALTER REALTY LLC · View details →
Sold Jun 2026
$600,000
3760 OLD JENNINGS Road #B, Middleburg
3 / 2 bd/ba · 1,792 sq ft · $335/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Jun 2026
$395,000
2471 IRIS Street, Middleburg
3 / 2 bd/ba · 1,651 sq ft · $239/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Sold May 2026
$425,900
4922 BARLEY Street, Middleburg
3 / 2 bd/ba · 1,511 sq ft · $282/sq ft
Courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · View details →
Sold May 2026
$285,000
133 MCVICKERS Road, Middleburg
3 / 2 bd/ba · 1,488 sq ft · $192/sq ft
Courtesy of KELLER WILLIAMS REALTY AT THE LAKES · View details →
Community 12-month median: $177/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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,856 – $2,700/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$743 – +$16At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Middleburg
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: July 15, 2026)
Community market stats
realMLS closed sales, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
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 26 BITTERROOT Avenue in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.