Single Family Residence in Middleburg · No CDD · FEMA Zone X
Middleburg · Middleburg, FL 32068 · Clay
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,736Sq Ft
1973Year Built
$108Per Sq Ft
WaterfrontPrivate pool2-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1973 · 53 yrs
2,736 sq ft of living area
2-car garage
$108/sq ft — compared with the displayed median of $142 from recent nearby sales
Listed at $295,000 — recent neighborhood median sale price ~$303,000 (nearby sales; deemed reliable, not an appraisal)
458 days on 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
This listing is shown at $295,000, with 4 bedrooms and 3 bathrooms, and 2,736 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms3
Living area2,736 sq ft
Year built1973
Property typeSingle Family Residence
Financial
Est. monthly payment$1,989
Est. taxes / yr~$2,891
Est. insurance / yr~$1,920
HOA$50/mo
CDDNone on record
Price / sq ft$108
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~88 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,920/yr
Market
Days on market458
Neighborhood median DOM36
Active listings (area)17
Months of supply4.5
Comparable-sales median$303,000
This home458d
Area median36d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$1,920/yr
Estimated homeowners premium; get a real quote.
Months of supply
4.5 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
42/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$1,989/mo
Principal & interest $1,539/mo77%
Taxes $241/mo12%
Insurance $160/mo8%
HOA $50/mo3%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
68/100
Strongest on: Price vs area (100), Flood safety (95)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area100
This home $108/sq ft vs area median $142/sq ft from recent nearby sales.
Affordability54
List price $295,000 vs area median $303,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~88 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1973 build. Obtain a property-specific quote.
Market liquidity59
Area median 36 days on market, ~4.5 months of supply.
Investment metrics34
Objective supply and demand metrics for the area - not investment advice.
Renovation upside82
From a 1973 build and $108/sq ft vs area $142/sq ft. Not a condition assessment.
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.
Listing facts & disclosures
$295,000
List price
As listed in the MLS
4 / 3
Bed / bath
Per the listing
2,736
Living area
Sq ft (approx.)
$108
Price / sq ft
List ÷ living area
The home
Year built1973
Per public record.
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~$2,891/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~88 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.
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
Recent sold prices in this community
The Messtimate™
The Messtimate: $342,000 – $435,024
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.
$342,000the mess$435,024
Actual list price: $295,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 458 days on market vs. a ~36-day neighborhood median
17 active listings competing in Middleburg
5 under contract now
23% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈4.5 months of supply (one market-context metric; should not be used alone)
4 new-construction homes competing
Median sale price is up 26% over the last 142 months
Homes here sell at about 98.8% of list price
45 closed here in the last 12 months
For reference, this home is listed at $295,000 ($108/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: 2,736 sq ft × $125–$159/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Middleburg market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
17Active listings
5Under contract
4New this month
4.5Months of supply
36Median days on market
23%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
1973BuiltPer 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.
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$1,352 – $1,967/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$677 – −$123At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$295,000
Bed / bath4 / 3
Living area2,736 sq ft
Year built1973
Property typeSingle Family Residence
MLS #2076213
Listing status458 days on market
Days on market458
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~88 ft
CountyClay
Estimated first-year tax~$2,891/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$108
Estimated monthly payment$1,989
Estimated insurance~$1,920/yr
Messtimate rangeNot available on this page
Comparable-sales median$303,000
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
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
$1,989
Principal & interest$1,539
Property tax$241
Insurance$160
CDD assessment$0
HOA$50
PMI$0
Down payment $59,000 · Loan $236,000. 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
~$2,891/yr
The seller likely pays less due to the homestead cap. At a $295,000 purchase, expect your first full-year Clay bill near $2,891 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,920/yr
Estimate for a 1973 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
~88 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 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
3
Recent nearby closings in the data set.
Median sale price (set)
$303,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$142
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$108
List price divided by living area. Provided as data, not a value judgment.
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.
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
In the area
Recent Middleburg news
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.
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.
Sold Jun 2026
$539,900
2490 VIOLET Way, Middleburg
3 / 3 bd/ba · 2,660 sq ft · $203/sq ft
Courtesy of DALTON WADE INC · View details →
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 May 2026
$303,000
4022 APPALOOSA Road, Middleburg
5 / 3 bd/ba · 2,128 sq ft · $142/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Median of the set: $142/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.
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.
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.
Listing description
About this home
SHORT SALE - OFFERS SUBJECT TO LENDER APPROVAL.
Property sold AS-IS. Seller will make no repairs. Buyer must physically inspect the property prior to submitting an offer.
Seller is requesting Highest and Best Offers. All offers must be submitted on the FAR/BAR AS-IS Contract and include proof of funds or lender pre-approval. Backup offers are encouraged. Buyer responsible for verifying all information important to their purchase decision.
PLEASE SEE THE DOCUMENTS SECTION FOR COMPLETE OFFER SUBMISSION INSTRUCTIONS. 2731 Howard Rd, Middleburg, FL 32068, a unique 1-acre estate in a highly desirable Clay County location. Enjoy peaceful country living while remaining just minutes from Blanding Blvd, shopping, dining, top-rated schools, and major highways for easy access to everyday conveniences.
The main home offers approximately 2,736 sq. ft. of living space, featuring tile and carpet flooring, a cozy fireplace, and a spacious layout with potential to add additional bedrooms. With light updates, including bathroom tile resurfacing, flooring refresh, kitchen modernization, and interior paint--this property could easily be transformed into a beautiful primary residence or income-producing rental.
This property also offers multiple income-generating possibilities. The backyard includes a fully equipped 1-bedroom, 1-bath guest house, ideal for long-term rental, Airbnb, or private in-law quarters.
Additionally, the 800+ sq. ft. detached garage, currently used as a wood shop, offers potential to convert into additional living space, rental unit, guest quarters, or workspace. The property also features a barn, storage shed, and chicken coop, making it well suited for homesteading, small farming, or equipment storage.
Outdoor features include a large 6.5-ft-deep pool that can be restored with a new liner and cleaning, as well as a pond that was previously stocked with koi fish, offering a peaceful natural setting. With no HOA restrictions, owners have the flexibility to park RVs, boats, work vehicles, or expand their investment plans. The property operates on well and septic, eliminating water and sewer utility bills.
This estate presents excellent potential for investors, entrepreneurs, or homeowners seeking a multi-generational property with built-in income opportunities.
Description provided by ONE REALTY CORP and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms3
Living area2,736 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1973
Age53 yrs
Listing
MLS #2076213
StatusActive
Days on market458
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Middleburg
Groceries, dining, and parks for this city — see the city guide.
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 $295,000Momentum Realty · on market 458 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 2731 HOWARD Road 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.
Momentum Realty · licensed in FL & GA
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.
