FEMA Zone X — flood insurance generally not federally required
Built 2011 · 15 yrs
$171/sq ft — above the area median of $160
120 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$300,000
List price
As listed in the MLS
4 / 2
Bed / bath
Per the listing
1,754
Living area
Sq ft (approx.)
$171
Price / sq ft
List ÷ living area
The home
Year built2011
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$2,940/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 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 description
About this home
*FULL 1 YEAR HOME WARRANTY INCLUDED!* Welcome home to this beautifully updated 4-bedroom, 2-bathroom home located in the desirable Two Creeks Community in Middleburg. Updated flooring, modern lighting fixtures, and fresh interior paint, create a bright and inviting atmosphere thr...
Description provided by HAMILTON HOUSE REAL ESTATE GROUP, LLC and reproduced from the MLS; not independently verified.
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$1,970
Principal & interest$1,565
Property tax$245
Insurance$110
CDD assessment$0
HOA$50
PMI$0
Down payment $60,000 · Loan $240,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$2,940/yr
The seller likely pays less due to the homestead cap. At a $300,000 purchase, expect your first full-year Clay bill near $2,940 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,323/yr
Estimate for a 2011 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
~20 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 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.
Median sale price (set)
$307,278
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$160
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$171
List price divided by living area. Provided as data, not a value judgment.
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.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $224,512 – $336,768
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. That’s the whole point: look how wide it is.
$224,512the mess$336,768
A 50% 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 dated interior 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: 120 days on market vs. a ~53-day neighborhood median
7 active listings competing in Two Creeks
2 under contract now
22% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.29 (higher = faster-selling demand)
≈2.5 months of supply (under ~4 favors sellers, over ~6 favors buyers)
33 closed here in the last 12 months
For reference, this home is listed at $300,000 ($171/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? 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: 1,754 sq ft × $128–$192/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
In the area
Recent Two Creeks 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 · 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.
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 (Clay)Public PreK-6 · Clay County School District
Wilkinson Junior High (Clay)Public 7-8 · Clay County School District
Middleburg High School (Clay)Public 9-12 · Clay County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$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 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 →
Sold May 2026
$224,500
4075 SANDHILL CRANE Terrace, Middleburg
3 / 2 bd/ba · 1,466 sq ft · $153/sq ft
Courtesy of TRINITY REAL ESTATE III LLC · View details →
Sold Apr 2026
$365,000
4042 TRAIL RIDGE Road, Middleburg
4 / 2 bd/ba · 2,182 sq ft · $167/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Median of the set: $160/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.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms2
Living area1,754 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2011
Age15 yrs
Listing
MLS #2133834
StatusActive Under Contract
Days on market120
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Middleburg
Groceries, dining, and parks for this city — see the city guide.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $300,000Momentum Realty · on market 120 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 4235 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.
Momentum Realty · licensed in FL & GA
Listing agent
Listed by
HAMILTON HOUSE REAL ESTATE GROUP, LLC
Listing courtesy of HAMILTON HOUSE REAL ESTATE GROUP, LLC. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
