Black Creek Harbor
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Black Creek Harbor in Middleburg, FL since 2017, the most recent in June 2022. Across Middleburg as a whole, 666 homes closed in the last 12 months at a median of $315,000, 46 median days on market, with 218 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,740 ($4,150 with the full homestead exemption).
Black Creek Harbor is a Middleburg address in Clay County, and the water reference in the name tells you most of what sets pricing here: proximity to Black Creek, lot position, and how much of the waterway a given property actually touches or overlooks. Two homes on the same street can carry very different numbers depending on frontage, dock potential, and condition, so the spread here is driven more by the individual property than by any neighborhood-wide price band.
Because this is a smaller, location-specific pocket rather than a high-volume subdivision, listings can be uneven in how they come to market. That means a buyer should be prepared to move on the right property when condition and water position line up, and a seller should lean hard on presentation and accurate positioning rather than assuming the address alone carries the deal.
The 60-Second Overview
Black Creek Harbor sits in Middleburg, in the western reach of Clay County, where the draw is the creek itself and a setting well outside Jacksonville's denser core. It reads as a place you choose for the water and the space, not for walkable convenience.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Black Creek Harbor is best for.
Best for
- Buyers prioritizing creek frontage or water access and willing to pay for the right lot
- Buyers comfortable in a quieter Middleburg setting outside Jacksonville's core
- Patient buyers who can wait for the specific property rather than shopping a wide selection
Probably not for
- Buyers who need walkable shops, dining, and short commutes
- Buyers wanting a large, consistent inventory to compare within a single price band
- Buyers unwilling to diligence flood zone, dock condition, and well/septic details
The market around Black Creek Harbor
Black Creek Harbor is too small for its own price trend, so here is the market around it.
In ZIP 32068, 459 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,267 homes are active and 451 pending (26% under contract).
ZIP and county figures describe the wider market, not Black Creek Harbor specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Black Creek Harbor, Middleburg
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Recent Developments in Black Creek Harbor
Development, infrastructure, retail, and school activity affecting Black Creek Harbor, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- June 2026Builder Activity
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.
What it may mean for the marketAdds 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 15 miles southwest of Black Creek Harbor, elsewhere in Clay County.
Source: News4Jax - June 2026Infrastructure
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.
What it may mean for the marketNew 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 13 miles southwest of Black Creek Harbor.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Black Creek Harbor buying strategy.
If we were buying in Black Creek Harbor today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Black Creek Harbor.
What actually moves value on the water
The variable that matters most in a creek-oriented community is the relationship to the water. Direct frontage, navigable access, dock rights, and elevation relative to the creek all pull individual values in different directions, which is why you should treat the median as a rough center of gravity and expect real properties to land well above or below it based on those specifics.
Condition is the second lever. Middleburg has a mix of older and newer construction, and in a pocket like this the difference between an updated, well-maintained home and a deferred-maintenance one shows up directly in price and days on market. Verify the practical items — flood zone status, well and septic versus utility service, and the true state of any dock or bulkhead — before you anchor on a number.
The location and the amenities are priced into every listing in Black Creek Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We cover Clay County and Middleburg specifically, and in a water-adjacent, low-inventory setting the value is in the details: which lots actually have usable creek access, what the flood and utility picture looks like, and how a given property compares to the handful of relevant sales rather than a broad average. We will tell you plainly when a listing's price is riding on the address instead of the property.
Black Creek Harbor in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Black Creek Harbor buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Black Creek Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Black Creek Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Black Creek Harbor home worth?
Get a no-obligation home value based on real comparable sales in Black Creek Harbor, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Middleburg →
Should you buy in Black Creek Harbor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2017 (2 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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The real cost & risk here
Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.