5 bedroom Mobile Home at 2817 SPRING Drive, Middleburg, Middleburg — photo 1Front elevation
5 bedroom Mobile Home at 2817 SPRING Drive, Middleburg, Middleburg — photo 2Living space
5 bedroom Mobile Home at 2817 SPRING Drive, Middleburg, Middleburg — photo 3Kitchen
5 bedroom Mobile Home at 2817 SPRING Drive, Middleburg, Middleburg — photo 4Owner's suite
5 bedroom Mobile Home at 2817 SPRING Drive, Middleburg, Middleburg — photo 5Exterior / yardView all 59 photos →
<<<<<<< HEAD 35 days on market ======= 30 days on market >>>>>>> origin/main Mobile Home
$308,900
5-Bedroom Mobile Home in Middleburg

2817 SPRING Drive, Middleburg, FL 32068

Mobile Home in Middleburg · No CDD · Built 2026
Middleburg · Middleburg, FL 32068 · Clay
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Listing data updated July 15, 2026 · refreshed twice daily
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Listing data updated July 10, 2026 · refreshed twice daily
>>>>>>> origin/main
5Bedrooms
3Bathrooms
2,128Sq Ft
2026Year Built
$145Per Sq Ft
New constructionNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
18% below
$/sq ft vs community
$145 here vs $177 median sold (12 mo)
Buyer leverage
Balanced market
35 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; ~30 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 12
Price vs recent sales
Asking $309k tops 8 of the last 12 closed sales; also one of the largest homes here at 2,128 sq ft

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
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  • No CDD assessment on record
  • New construction — built 2026
  • 2,128 sq ft of living area
  • Listed at $308,900 — recent neighborhood median sale price ~$260,000 (nearby sales; deemed reliable, not an appraisal)
  • 35 days on market
  • HOA ~$50/mo (estimate; confirm)
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  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • New construction — built 2026
  • 2,128 sq ft of living area
  • $146/sq ft — compared with the displayed median of $142 from recent nearby sales
  • Listed at $309,900 — recent neighborhood median sale price ~$301,500 (nearby sales; deemed reliable, not an appraisal)
  • 30 days on market
  • HOA ~$50/mo (estimate; confirm)
>>>>>>> origin/main
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 per sq ft · this home vs. recent nearby sales2355 WALTERS Road2355 WALTERS Road: $141/sq ft$1414022 APPALOOSA Road4022 APPALOOSA Road: $142/sq ft$142This homeThis home: $145/sq ft$145Community median $177

Price vs. size in Middleburg

Each dot is a closed sale since 2001 (820 total). This home is the gold marker.

$0$957k$1.9M4012,9325,462This home: $308,900, 2,128 sq ftThis homeSale price

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 $145/sq ft.

$23$120$2172012: $4220122013: $692014: $6420142015: $472016: $5720162017: $662018: $7820182019: $1132020: $12820202021: $1232022: $15820222023: $1592024: $19820242025: $1872026: $1772026

Median sale price by year

12-month median closed price, 2012–2026.

$44k$202k$361k2012: $83k20122013: $111k2014: $80k20142015: $74k2016: $94k20162017: $124k2018: $130k20182019: $162k2020: $192k20202021: $195k2022: $239k20222023: $250k2024: $330k20242025: $302k2026: $260k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 40 (normal).

2052852013: 3120132014: 272015: 2620152016: 402017: 4420172018: 342019: 7720192020: 602021: 6420212022: 742023: 5620232024: 792025: 4820252026: 402026
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Momentum Snapshot

The whole picture, at a glance

Property

Bedrooms5
Bathrooms3
Living area2,128 sq ft
Year built2026
Property typeMobile Home

Financial

Est. monthly payment$2,001
Est. taxes / yr~$3,037
Est. insurance / yr~$976
HOA$50/mo
CDDNone on record
Price / sq ft$146

Risk

Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~30 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$976/yr

Market

Days on market30
Neighborhood median DOM36
Active listings (area)17
Months of supply4.5
Comparable-sales median$301,500

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
~$976/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

$2,001/mo
  • Principal & interest $1,616/mo 81%
  • Taxes $253/mo 13%
  • Insurance $81/mo 4%
  • HOA $50/mo 2%

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Momentum Scores

Momentum Property Score

52/100
Strongest on: Flood safety (95), Insurance cost (80)

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 area43
This home $146/sq ft vs area median $142/sq ft from recent nearby sales.
Affordability45
List price $309,900 vs area median $301,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~30 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 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 upside10
From a 2026 build and $146/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
$309,900
List price
As listed in the MLS
5 / 3
Bed / bath
Per the listing
2,128
Living area
Sq ft (approx.)
$146
Price / sq ft
List ÷ living area

The home

Year built2026
Per public record.
Property typeMobile Home
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~$3,037/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~30 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 courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERSProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
Price benchmark

Pricing & market trend in Middleburg

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 sales2355 WALTERS Road2355 WALTERS Road: $141/sq ft$1414022 APPALOOSA Road4022 APPALOOSA Road: $142/sq ft$142This homeThis home: $146/sq ft$146Median $142

Recent sold prices in this community

$85,000$342,500$600,000Apr 2026: $260,000May 2026: $85,000May 2026: $285,000May 2026: $303,000May 2026: $243,000May 2026: $425,900Jun 2026: $395,000Jun 2026: $539,900Jun 2026: $125,000Jun 2026: $600,000Jul 2026: $300,000Jul 2026: $225,000This home (list price): $309,900This homeApr 2026Jul 2026
The Messtimate™

The Messtimate: $266,000 – $338,352

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.

$266,000the mess$338,352

Actual list price: $309,900 — 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: 30 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 $309,900 ($146/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.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,128 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.

>>>>>>> origin/main
Property timeline

This home’s history

  • 2026BuiltPer public record
  • Jul 2, 2026First trackedObserved at $309,900
  • 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

$1,949/mo
  • Principal & interest $1,565/mo 80%
  • Taxes $252/mo 13%
  • Insurance $81/mo 4%
  • HOA $50/mo 3%

$1,949/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

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Momentum Scores

Momentum Property Score

61/100
Strongest on: Price vs area (95), Flood safety (95)
0 limited50100 exceptional

61/100 is solid, mid-pack 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 area95
This home $145/sq ft vs the community 12-month median $177/sq ft.
Affordability19
List price $308,900 vs the community median $260,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~30 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity58
Community median 32 days on market, ~4.9 months of supply (12-month record).
Renovation upside30
From a 2026 build and $145/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.

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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$309,900
Bed / bath5 / 3
Living area2,128 sq ft
Year built2026
Property typeMobile Home
MLS #2149933
Listing status30 days on market
Days on market30

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~30 ft
CountyClay
Estimated first-year tax~$3,037/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$146
Estimated monthly payment$2,001
Estimated insurance~$976/yr
Messtimate rangeNot available on this page
Comparable-sales median$301,500

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
>>>>>>> origin/main
Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 4.9 months of supply in the surrounding market and 35 days on market for this home, against a 32-day area median.Days on market:this home 35Area 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 $145 per square foot, about 18% below 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.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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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
~$3,037/yr

The seller likely pays less due to the homestead cap. At a $309,900 purchase, expect your first full-year Clay bill near $3,037 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$976/yr

Estimate for a 2026 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
~30 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
2

Recent nearby closings in the data set.

Median sale price (set)
$301,500

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
$146

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.

What's nearby

Drive times to everyday places

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.

Jacksonville Daily Record

Jun 2026 · Retail Dining

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.

Jacksonville Daily Record

Jun 2026 · Development

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.

Jacksonville Daily Record

Jun 2026 · Retail Dining

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.

Jacksonville Daily Record

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: $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.

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.
>>>>>>> origin/main
Listing description

About this home

A listing description for this property is being reviewed for fair-housing and advertising compliance and is not shown.

Listing descriptions are screened for fair-housing and accuracy compliance before display.

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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$308,900
Bed / bath5 / 3
Living area2,128 sq ft
Year built2026
Property typeMobile Home
MLS #2149933
Listing status35 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~30 ft
Windstorm exposureLow
CountyClay
Area listings18 active · 6 under contract
Estimated first-year tax~$3,027/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$145
Estimated monthly payment$1,949
Insurance (illustrative)$500–$2k/yr
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
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The full spec sheet

Property details & features

Interior

  • Bedrooms5
  • Bathrooms3
  • Living area2,128 sq ft

Exterior & lot

  • TypeMobile Home

Systems

  • Year built2026
  • Age0 yrs

Listing

  • MLS #2149933
  • StatusActive
  • Days on market30
>>>>>>> origin/main
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERSProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™

The Messtimate

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.

$331,968the mess$421,344

Actual list price: $308,900 — 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 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: 35 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 $308,900 ($145/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.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,128 sq ft × $156–$198/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.

Transparency

Price & listing history

<<<<<<< HEAD
Listed for $308,900Momentum Realty · on market 35 days
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Listed for $309,900Momentum Realty · on market 30 days
>>>>>>> origin/main
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.)
~$3,027/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)
$500–$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
~30 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
2

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.

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.

Jacksonville Daily Record

Jun 2026 · Retail Dining

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.

Jacksonville Daily Record

Jun 2026 · Development

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.

Jacksonville Daily Record

Jun 2026 · Retail Dining

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.

Jacksonville Daily Record

What's nearby

Drive times to everyday places

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.

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$1,416 – $2,059/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−$576 – +$2At 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.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 15, 2026)
Community market statsrealMLS closed sales, as of July 14, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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

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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.

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. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 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.