103 days on market (MLS) Single Family Residence ▼ Price cut: $425,000 (8/7)
$950,000
3-Bedroom Home in Black Creek Forest

3775 Forest Drive, Middleburg, FL 32068

Single Family Residence in Black Creek Forest, Middleburg · No CDD on record
Black Creek Forest · Middleburg, FL 32068 · Clay County
Listing data updated October 21, 2026 at 2:18 AM ET · checked against the MLS hourly
3Bedrooms
3.5Bathrooms
1,798Sq Ft
2020Year Built
$528Per Sq Ft
Waterfront4-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
160% above
$/sq ft vs community
$528 here vs $203 median sold (12 mo)
Buyer leverage
Balanced market
103 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $950k tops 12 of the last 12 closed sales

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

Highlights

As of October 21, 2026, 3775 FOREST Drive in Black Creek Forest, Middleburg is listed at $950,000 (1,798 sq ft, about $528 per sq ft). That is 160% above Black Creek Forest's median closed sale of $365,000 over the last 12 months (2 recorded sales). Per square foot it is above the community's recent $203/sq ft by about 160%. It has been 103 days on market. Listing facts: built in 2020, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2020 · 6 yrs
  • 1,798 sq ft of living area
  • 4-car garage
  • Listed at $950,000 — recent neighborhood median sale price ~$365,000 (nearby sales; deemed reliable, not an appraisal)
  • 103 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Welcome to the Black Creek Beauty! Tucked away in a dead-end lot along 200 ft of the quiet waters of Black Creek, this riverfront retreat is the perfect blend of privacy, craftsmanship and outdoor living. Expansive covered porches, warm wood finishes and an open-concept design built for gathering.

Inside the main home, you'll find soaring cypress wood ceilings, abundant natural light, and a beautifully appointed kitchen creating an inviting atmosphere that feels both refined and relaxed. Multiple living spaces provide room to entertain, unwind or simply take in the peaceful surroundings. A custom designed deep pier foundation worth over $500,000 provides top of the line structural integrity for peace of mind.

48x25 screened in entertainment area with sink and bar, private dock and endless opportunities for boating, fishing, kayaking, or sunset cruises. Navigable to the St Johns River. Whether you're searching for a full-time residence or a waterfront escape, this property captures the best of Florida riverfront living.

Barn/Workshop offers incredible flexibility and 800 additional sq ft with a 2nd spacious primary en suite with bathroom above an expansive 4-car workshop/garage. Perfect for guests, a home office, hobby space, or multigenerational living. This provides the extra room you've been looking for while the oversized garage offers ample space for vehicles, storage and projects!

Sq footage displayed for main house only. Additional sq footage in guest house

All 73 photos

3775 Forest Drive, Middleburg FL - photo 6 of 733775 Forest Drive, Middleburg FL - photo 7 of 733775 Forest Drive, Middleburg FL - photo 8 of 733775 Forest Drive, Middleburg FL - photo 9 of 733775 Forest Drive, Middleburg FL - photo 10 of 733775 Forest Drive, Middleburg FL - photo 11 of 733775 Forest Drive, Middleburg FL - photo 12 of 733775 Forest Drive, Middleburg FL - photo 13 of 733775 Forest Drive, Middleburg FL - photo 14 of 733775 Forest Drive, Middleburg FL - photo 15 of 733775 Forest Drive, Middleburg FL - photo 16 of 733775 Forest Drive, Middleburg FL - photo 17 of 733775 Forest Drive, Middleburg FL - photo 18 of 733775 Forest Drive, Middleburg FL - photo 19 of 733775 Forest Drive, Middleburg FL - photo 20 of 733775 Forest Drive, Middleburg FL - photo 21 of 733775 Forest Drive, Middleburg FL - photo 22 of 733775 Forest Drive, Middleburg FL - photo 23 of 733775 Forest Drive, Middleburg FL - photo 24 of 73

Description provided by JPAR CITY AND BEACH and reproduced from the MLS; not independently verified.

Listing courtesy of JPAR CITY AND BEACHProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
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$950,000
Bed / bath3 / 3.5
Living area1,798 sq ft
Year built2020
Property typeSingle Family Residence
Garage4-car
MLS #2154631
Listing status103 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone AE
Ground elevation~6 ft
CountyClay
Area listings1 active · 0 under contract
Estimated first-year tax~$13,550/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$528
Estimated monthly payment$6,681
Insurance (illustrative)$2k–$5k/yr
Messtimate range$334,428 – $418,934
Comparable-sales median$365,000

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
Financing

Estimated monthly payment

$6,681/mo
  • Principal & interest $5,262/mo 79%
  • Taxes $1,129/mo 17%
  • Insurance $289/mo 4%

$6,681/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

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

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$13,550/yr
≈ $1,129/mo·effective rate ~1.43%
Estimate: asking price less the $50,000 homestead exemption × Clay County rate (15.05 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $7,475/yr ($623/mo) — taxable value $496,639 × 15.05 mills
$6,075 more each year
(+81%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$257,517
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$754,156
Market value
$496,639
Assessed
$496,639
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

What it really costs to own 3775 Forest Drive

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property taxThe current owner's bill is about $7,475/yr (certified county roll, taxable value × millage). Buy at the asking price of $950,000 and the first-year bill resets to about $13,550/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.05 mills); Save Our Homes caps later increases at 3%/yr.
HOA duesThe listing states there is no HOA.
Home and flood insuranceThe average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$5,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 2020. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.

Estimated carrying cost at the asking price, before the mortgage: about $1,228/month (tax $1,129, insurance $99). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.

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.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$5k/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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

Environmental data

Flood zone & elevation

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

FEMA flood zone
Zone AE

From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.

Ground elevation
~6 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Black Creek Forest

Pricing & the Black Creek Forest market

How this home is priced against recent nearby sales, and where Black Creek Forest 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 sales4019 SANDBANK Court4019 SANDBANK Court: $167/sq ft$1674228 GREAT FALLS Loop4228 GREAT FALLS Loop: $186/sq ft$1864122 FISHING CREEK Lane4122 FISHING CREEK Lane: $189/sq ft$18912 BITTERROOT Avenue12 BITTERROOT Avenue: $217/sq ft$2174395 COTTON GIN Court4395 COTTON GIN Court: $233/sq ft$2332080 FALCON RUN Lane2080 FALCON RUN Lane: $253/sq ft$253This homeThis home: $528/sq ft$528Community median $203
Property timeline

This home’s history

  • 2020BuiltPer public record
  • About Jul 2026Listed (per MLS)MLS reports 103 cumulative days on market as of October 21, 2026
  • Jul 10, 2026First seen on movewithmomentum.comObserved at $1,375,000
  • Aug 7, 2026Price cut$950,000 (-$425,000, -30.9%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $950,000Momentum Realty · on market 103 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 6 sales: $365,000 ($203/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™ · automated estimate

The Messtimate

Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.

$587,800the mess$750,700

Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the Clay County 2025 tax roll just value ($754,156) × the local sale-to-roll ratio of 40 nearby sales.

Track record: across 2,982 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-20.

Actual list price: $950,000 ($528/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 28% spread on the same house — here is what a model can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
  • The lot — this listing is waterfront; water frontage is priced far off nearby averages.
  • Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.

And what the live market is doing right now:

  • 1 active listing competing
  • ≈6.0 months of supply
  • 2 closed here in the last 12 months
Want a property-specific value 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.

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

Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 21, 2026.

Momentum Scores

Momentum Property Score

27/100
Strongest on: Flood safety (45), Insurance cost (45)
0 limited50100 exceptional

27/100 is limited 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 area0
This home $528/sq ft vs the community 12-month median $203/sq ft.
Affordability0
List price $950,000 vs the community median $365,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2020 build. Obtain a property-specific quote.
Market liquidity44
Community inventory, ~6.0 months of supply (12-month record).

Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 103 days on market for this home, against a 103-day area median.Days on market:this home 103Area median:  103 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 October 20, 2026.

🟡 Asking $528 per square foot, about 160% above the community’s $203 median. Black Creek Forest’s 12-month median sold price per square foot is $203. Confidence: Low · 2 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.

44% of homes in Black Creek Forest are owner-occupied. An estimated 56% are non-owner-occupied, including 5% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 25 homes matched. Community-level context.

What’s unique here: one of only 1 active listings in Black Creek Forest, no CDD assessment.

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

Updated October 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Seen enough photos?

Want to see 3775 FOREST Drive?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by JPAR CITY AND BEACH · MLS # 2154631

Request a showing

or call (904) 351-6461
Keep looking

Similar homes for sale near Black Creek Forest

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.

Newest listings in Middleburg

  • 2085 Hermitage Place, Middleburg · $185,000 · 3 bd / 2.0 ba · listed October 19, 2026 (courtesy of WATSON REALTY CORP)
  • 4820 Cattail Street, Middleburg · $459,900 · 3 bd / 2.0 ba · listed October 15, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
  • 1855 Moorings Circle, Middleburg · $689,000 · 5 bd / 4.0 ba · listed October 15, 2026 (courtesy of GAILEY ENTERPRISES LLC)
  • 3994 Bronco Road, Middleburg · $449,000 · 4 bd / 2.0 ba · listed October 14, 2026 (courtesy of DJ & LINDSEY REAL ESTATE)
  • 4130 Weathered Pine Court, Middleburg · $335,000 · 3 bd / 2.0 ba · listed October 14, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
  • 3411 Cutting Court, Middleburg · $285,000 · 3 bd / 2.5 ba · listed October 14, 2026 (courtesy of WATSON REALTY CORP)

Recently off market in Black Creek Forest

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Black Creek Forest news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Sep 2026 · Infrastructure

County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County

The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.

Why it matters: A four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 8 miles southwest of Black Creek Forest.

News4JAX

Jun 2026 · Development

Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center

Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.

Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 11 miles west of Black Creek Forest.

Jax Daily Record

Jun 2026 · Builder

Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County

News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.

Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 13 miles southwest of Black Creek Forest, elsewhere in Clay County.

News4Jax

Jun 2026 · Infrastructure

First Coast Expressway advances as an economic-development corridor across Clay and St. Johns

The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.

Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 11 miles south of Black Creek Forest.

Jax Daily Record

Go deeper

More on Black Creek Forest

Go deeper on Black Creek Forest

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.

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.

School zoningThis address is in the Clay County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 3775 FOREST Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2020: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
  • Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
  • Listed living area is 1,798 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $13,550/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,075 more per year than the current owner’s estimated bill (+81%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: October 21, 2026)
Comparable salesrealMLS closed sales within about 3 miles, last 18 months, as of October 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone AE shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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

How big is 3775 FOREST Drive and when was it built?

Per the listing record, 3775 FOREST Drive was built in 2020 and has 1,798 sq ft of living area, 3 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 3775 FOREST Drive in?

3775 FOREST Drive is in Black Creek Forest in Middleburg, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 3775 FOREST Drive have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 3775 FOREST Drive differ from the current owner's?

The estimate on this page (about $13,550 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,075 more per year than the current owner’s estimated bill (+81%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 3775 FOREST Drive in a flood zone?

The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.

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 3775 FOREST Drive 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

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.