Single Family Residence in Two Creeks, Middleburg · No CDD
Two Creeks · Middleburg, FL 32068 · Clay
Listing data updated September 25, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,720Sq Ft
2014Year Built
$186Per Sq Ft
Waterfront2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
13% above
$/sq ft vs community
$186 here vs $165 median sold (12 mo)
Buyer leverage
Strong seller market
1.1-month supply
1.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 25, 2026, 4124 SANDHILL CRANE Terrace in Two Creeks, Middleburg is listed at $320,000 (1,720 sq ft, about $186 per sq ft). That is 26% below Two Creeks's median closed sale of $434,500 over the last 12 months (32 recorded sales). Per square foot it is above the community's recent $165/sq ft by about 13%. It came to market within the past week. Listing facts: built in 2014, waterfront, HOA dues of $7/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2014 · 12 yrs
1,720 sq ft of living area
2-car garage
Listed at $320,000 — recent neighborhood median sale price ~$434,500 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $7/mo (per listing)
School district: Clay County SchoolCommunity built 2008–2025Foxmeadow Recreational Park · 2 min driveKroger · 8 min driveVerde Vida Healthy Kitchen · 8 min drive
Momentum Research · Two Creeks
Pricing & the Two Creeks market
How this home is priced against recent nearby sales, and where Two Creeks has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Two Creeks
Each dot is a closed sale since 2008 (797 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $186/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 34 (cold).
Property timeline
This home’s history
2014BuiltPer public record
Sep 25, 2026First trackedObserved at $320,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,074/mo
Principal & interest $1,695/mo82%
Taxes $261/mo13%
Insurance $111/mo5%
HOA $7/mo0%
$2,074/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $1,900/yr ($158/mo)
+$2,175 more each year
(+114%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$150,451
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.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
54/100
Strongest on: Affordability (94), Market liquidity (76)
0 limited50100 exceptional
54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area18
This home $186/sq ft vs the community 12-month median $165/sq ft.
Affordability94
List price $320,000 vs the community median $434,500. Not a measure of personal affordability.
Market liquidity76
Community median 44 days on market, ~1.1 months of supply (12-month record).
Renovation upside12
From a 2014 build and $186/sq ft vs the community median $165/sq ft. Not a condition assessment.
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Market timing66
Momentum Market Heat is 34/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $186 per square foot, about 13% above the community’s $165 median. Two Creeks’s 12-month median sold price per square foot is $165. Median sold price per square foot is down 5.5% year over year. Confidence: Very High · 32 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.
61% of homes in Two Creeks are owner-occupied. An estimated 39% are non-owner-occupied, including 8% held in a company or trust and 12% 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), 388 homes matched. Community-level context.
Recent Two Creeks sales closed near 95.8% of original asking.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 September 24, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Two Creeks, no CDD assessment.
Updated September 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this stunning 3-bedroom, 2-bathroom sanctuary nestled in the highly sought-after community of Two Creeks in Middleburg, FL! From the moment you step inside, you'll be greeted by fresh interior paint and brand-new flooring, creating a modern, bright atmosphere. At the heart of the home is a gorgeous chef-inspired kitchen built for both everyday living and entertaining.
Boasting gleaming granite countertops, rich wood cabinetry, and sleek stainless steel appliances, this kitchen combines high-end elegance with functional design. Whether you're hosting dinner parties or enjoying a quiet morning coffee, this beautifully updated home provides the perfect blend of style, comfort, and community charm.
All 63 photos
Description provided by NAVY TO NAVY HOMES LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$320,000
Bed / bath3 / 2
Living area1,720 sq ft
Year built2014
Property typeSingle Family Residence
Garage2-car
MLS #2164742
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyClay
Area listings3 active · 1 under contract
Estimated first-year tax~$3,136/yr
CDD assessmentNone on record
HOA (per listing)$7/mo
Calculated estimates
Price per sq ft$186
Estimated monthly payment$2,074
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$434,500
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
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.
$249,400the mess$318,200
Actual list price: $320,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $7/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
5 active listings competing, 1 under contract
≈1.1 months of supply
32 closed here in the last 12 months
For reference, this home is listed at $320,000 ($186/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: 1,720 sq ft × $145–$185/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 25, 2026.
Keep looking
Similar homes for sale near Two Creeks
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.
4022 Trail Ridge Road · $335,000 · 3 bd / 2.0 ba · listed September 18, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
1233 Orchard Oriole Place · $565,000 · 4 bd / 3.0 ba · listed August 26, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
Transparency
Price & listing history
Listed for $320,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$3,136/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$7/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by NAVY TO NAVY HOMES LLC · MLS # 2164742
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Market data · public records
Recent sales activity in Two Creeks
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 Two Creeks neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$434,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$165
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Two Creeks
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Hyland Trail breaks ground on Lodge Amenity Center in southern Clay County
GreenPointe Holdings held a groundbreaking for the Lodge Amenity Center at Hyland Trail, a community near the newly opened stretch of the First Coast Expressway in the Lake Asbury area of Clay County. The center is planned with a beach-entry pool and splash zone, an exercise facility, pickleball courts, and multi-use pathways, with completion slated for 2026. Hyland Trail and adjacent GreenPointe neighborhoods are set to add more than 3,000 homes, with Dream Finders and Pulte offering single-family homes from the $300s and a Lennar active-adult section called Edenbrooke.
Why it matters: A large amenity-anchored buildout opening nearby may broaden the range of new-construction options buyers compare against an established community like Two Creeks.
Planned 4,000-home Agricola master-planned community seeks permits in Clay County
Fort Lauderdale-based BTI Partners is advancing a master-planned community on the roughly 3,145-acre Agricola property in Green Cove Springs off U.S. 17, which it bought for $93 million. The plan calls for about 4,000 residential units, including 2,170 single-family homes, 370 townhomes, and 1,460 multifamily units, plus schools and trails. The St. Johns River Water Management District began reviewing an environmental resource permit after the county approved rezoning in October.
Why it matters: A development of this scale could add substantial housing supply and supporting infrastructure to the broader Clay County corridor over time.
Clay Town Center in Middleburg signs and opens eight new tenants
Paradigm Partners reported leasing progress at Clay Town Center, an 18,500 square foot mixed-use retail and restaurant development in Middleburg. Mattress Warehouse, MedPlus Pharmacy, Domino's Pizza, and Wingstop opened earlier in the year, while Anejo Cocina Mexicana and Verde Vida Healthy Kitchen debuted that month, with Sizzling Nails and Firehouse Subs expected to follow. The center is projected to create more than 100 local jobs.
Why it matters: A maturing retail and dining cluster in Middleburg may add everyday conveniences within reach of area neighborhoods like Two Creeks.
Century Communities buys land for 170-home Asbury Creek near Middleburg
Century Communities closed on a land deal off Henley Road in Green Cove Springs for a new single-family community called Asbury Creek, planned for 170 homesites. Sales are anticipated to begin in mid-2026, and the community is planned with no CDD fees along with amenities including a pavilion, playground, and multi-use field. The builder cited access to downtown Jacksonville via the completed First Coast Expressway.
Why it matters: A no-CDD builder community nearby may give buyers an additional comparison point on monthly carrying costs.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Kroger 8 min
Dining
Verde Vida Healthy Kitchen 8 min
Shopping
Discovery Landing 13 min
Parks
Foxmeadow Recreational Park 2 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 (Clay)Public PreK-6 · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Wilkinson Junior High (Clay)Public 7-8 · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Middleburg High School (Clay)Public 9-12 · Clay County School District · Grade A (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$249,555
4259 SANDHILL CRANE Terrace, Middleburg
3 / 2 bd/ba · 1,739 sq ft · $144/sq ft
Courtesy of TRINITY REAL ESTATE III LLC · View details →
Sold Jul 2026
$288,000
4235 SANDHILL CRANE Terrace, Middleburg
4 / 2 bd/ba · 1,754 sq ft · $164/sq ft
Courtesy of HAMILTON HOUSE REAL ESTATE GROUP, LLC · View details →
Sold Jul 2026
$305,000
945 RAINDROP Lane, Middleburg
4 / 2 bd/ba · 1,766 sq ft · $173/sq ft
Courtesy of JPAR CITY AND BEACH · View details →
Sold May 2026
$380,000
3908 PIPIT Point, Middleburg
4 / 2 bd/ba · 1,997 sq ft · $190/sq ft
Courtesy of WATSON REALTY CORP · View details →
Community 12-month median: $165/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$1,467 – $2,133/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$648 – −$48At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 4124 SANDHILL CRANE Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2014: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $7/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 1,720 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 $3,136/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 25, 2026)
Community market stats
realMLS closed sales, as of September 24, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 4124 SANDHILL CRANE Terrace and when was it built?
Per the listing record, 4124 SANDHILL CRANE Terrace was built in 2014 and has 1,720 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4124 SANDHILL CRANE Terrace in?
4124 SANDHILL CRANE Terrace is in Two Creeks in Middleburg, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Two Creeks from the same MLS data.
Does 4124 SANDHILL CRANE Terrace have an HOA, and how much are the dues?
The listing reports HOA dues of $7 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4124 SANDHILL CRANE Terrace differ from the current owner's?
The estimate on this page (about $3,136 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 4124 SANDHILL CRANE Terrace in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 4124 SANDHILL CRANE Terrace in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
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.
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.
