Established single-family resale homes · Middleburg · ZIP 32068
An established single-family subdivision off Breckenridge Boulevard in Middleburg, Clay County, with homes dating mostly to the mid-1990s, for resale buyers who want a settled neighborhood near the Doctors Inlet and Fleming Island area rather than a builder community.
Established resaleMiddleburg, Clay CountyZIP 32068
Live Market Pulse
50/100 Momentum
Buyer-Leaning Market (limited data)
This is a settled resale neighborhood rather than an active new-build community, so listing activity is typically modest and turns over gradually. Verify current inventory and condition of any specific home before you tour.
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Unlock Off-Market Middleburg
Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.
Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
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Median Price
0mo
Supply
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Avg DOM
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Seller Leverage
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Median $/Sqft
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1-Yr Price Change
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Distress
Jon's Current Read
"Breckenridge is a mid-1990s single-family subdivision off County Road 220 on the east side of Middleburg, closer to the Doctors Inlet and Fleming Island area than to the town center. No HOA or CDD turned up in available records, which keeps carrying costs simple but also means there is no deed-enforced upkeep standard to rely on. The wider context is Clay County's sustained growth along the Fleming Island and CR-220 corridors, which supports steady demand for this kind of established, moderately priced housing stock."
Jon Brooks, founder, Momentum Realty · Updated June 2026
The 60-Second Overview
Breckenridge is an established single-family subdivision centered on Breckenridge Boulevard in Middleburg, in Clay County. Public records aggregators put the average home here at about 1995, with homes built over the following years rather than delivered as a single builder phase, which is typical of a mid-1990s Clay County subdivision.
Because this is a resale market rather than a builder market, the homes available at any given time reflect individual owners' decisions to sell, not a phased release schedule. Condition and updates vary from one listing to the next, since these are now 30-year-old homes. Your leverage as a buyer is comparing specific homes on their own condition and updates, not comparing builder plans.
The bigger picture is location. Breckenridge sits off County Road 220 on the east side of Middleburg, closer to the St. Johns River, Doctors Inlet, and the growing Fleming Island corridor than to downtown Middleburg. That area of Clay County has seen sustained residential growth, which has supported steady demand for established, moderately priced housing stock like Breckenridge even without an active marketing presence.
Quick Match
Who Middleburg is best for.
Best for
Buyers who want an established, already-landscaped resale home rather than new construction
Buyers comfortable evaluating condition and updates home by home rather than relying on a uniform builder standard
Buyers who want a neighborhood without an HOA structure, based on available records
Probably not for
Buyers who want a brand-new home with a builder warranty
Buyers who want the predictability of an HOA-enforced maintenance standard
Buyers who need a marketed clubhouse or resort-style amenity package on site
Market Pulse
How Middleburg is performing right now
50/100 momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
n/aMedian days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+0%Asking vs recent sold $/sqftroom to negotiate
Live market metrics for Breckenridge update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.
Live from realMLS, as of July 9, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Middleburg listings and the trailing twelve months of closed sales.
8.6A- score
Momentum intelligence
Momentum buy score
Our proprietary read on how a home in Breckenridge buys, holds, and resells. See the five factors.
Interactive Map
Middleburg on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
No CDD bond means thousands less per year than newer master plans.
Typical CDD community~$2,500/yr
Middleburg (no CDD)$0/yr
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Schools
15-Second Take
Clay County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby
Middleburg is served by Clay County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
High
Fleming Island High School (Clay County District Schools, verify by address)
Middle
Lake Asbury Junior High School or your address-zoned middle school (verify by address)
Elementary
Swimming Pen Creek Elementary School or your address-zoned elementary school (verify by address)
The story here is steady growth along the Fleming Island and County Road 220 corridor around an already-established neighborhood. Clay County has been one of Northeast Florida's faster-growing counties over the past decade, and that growth has continued to support demand for affordable, established housing stock in Middleburg.
Recent Developments in Breckenridge
Development Intelligence
Our read on what is being built around Middleburg, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
Net OutlookBullishNet positive for long-term demand, tempered by the reality that this is now a roughly 30-year-old subdivision, so condition and updates vary home to home and infrastructure keeps pace gradually with growth.
Clay County population growth
2010 to 2026
BullishNotable impact
SignificanceRadius: County
Clay County's population has grown roughly a quarter since 2010 and continues to add residents, which supports sustained demand for established, moderately priced neighborhoods like Breckenridge.
Florida homeowners insurance costs
2026
NeutralNotable impact
SignificanceRadius: Region
Florida homeowners insurance remains a real, ongoing line item statewide. Homes now approaching 30 years old can see higher premiums depending on roof age and system updates, so get a bindable quote on the specific home before you commit.
Established resale market conditions
2026
NeutralMinor impact
SignificanceRadius: Community
As a settled, non-builder subdivision, Breckenridge does not have a phased release schedule, so inventory and pricing reflect individual owners' decisions to sell rather than a builder price sheet. Compare current listings directly rather than relying on past figures.
Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.
Development, infrastructure, retail, and school activity affecting Breckenridge, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
Showing the latest, scroll for all updates ↓
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 Strategy
The Middleburg buying strategy.
If we were buying in Middleburg, this is the order of operations we would run, and the one we run for our clients.
1
Get a full home inspection, since homes here are now approaching 30 years old and condition varies significantly between listings.
2
Confirm there is no HOA and no deed restrictions with a title search, since older subdivisions sometimes carry dormant covenants even without an active association.
3
Verify the exact zoned elementary, middle, and high school by the home's address with Clay County District Schools, since zoning lines split within the 32068 ZIP.
4
Get a bindable homeowners insurance quote for the specific home, factoring in roof age and any system updates.
5
Compare the specific home's updates and condition against a nearby established Middleburg community, such as Northglen, before you make an offer.
The Quick Decision
Best Buy
A home with a documented, recent roof and system updates, since these are now 30-year-old homes.
Biggest Risk
Buying an unrenovated older home without budgeting for deferred maintenance.
Best Lot
Verify flood zone and drainage on the specific parcel with the Clay County Property Appraiser.
Smart Timing
Resale-driven. Inventory turns over gradually rather than in scheduled builder phases.
Deep-Dive Intelligence
The full read, only if you want it.
The takeaway
On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.
Community Details at a Glance
The Homes
Type
Established single-family resale
Era
Homes built mostly in the mid-1990s, with the average home dating to about 1995, per public records aggregators
Size range
Varies by home; one recorded listing on Breckenridge Boulevard ran 1,906 sq ft, built 1994, verify per listing
Bedrooms
Varies by home; verify per listing
Costs & Fees
HOA
No homeowners association identified in available records; confirm with a title search
CDD
No Community Development District identified; confirm on the parcel tax record
Property use
Primarily owner-occupied primary residences
Amenities
Marketed
No community-wide amenities identified
Status
Not applicable; this is not an amenity-based community
Location
Town
Middleburg, Clay County
Fleming Island Town Center
About 15 to 20 min (approximate)
NAS Jacksonville
About 25 to 30 min (approximate)
Middleburg Homes For Sale
What your money buys in Middleburg.
The takeaway
Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.
Here are the broad resale bands in Middleburg today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.
The Entry
The smaller, original-condition homes in the subdivision, generally the best candidates for a full inspection before you commit.
Lowest entry
The Core
Mid-size homes with a mix of original and updated features, where most of the resale activity tends to concentrate.
Most inventory
The Top
The largest or most recently updated homes in the subdivision, at the upper end of the size range reported by public listing sources.
Strongest resale
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.
The Entry
The smaller, original-condition homes in the subdivision, generally the best candidates for a full inspection before you commit.
The Core
Mid-size homes with a mix of original and updated features, where most of the resale activity tends to concentrate.
The Top
The largest or most recently updated homes in the subdivision, at the upper end of the size range reported by public listing sources.
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Operator Intelligence
Renovation & Resale Intelligence
The factors that actually move value in Middleburg, condition, lot, and the renovation math, read from current listings and recent sales.
15-Second Take
Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay
Proprietary Data
The renovation premium.
Renovated-listing inventory in Middleburg is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.
Lot Value
The lot premium.
On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.
Operator Note
Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.
Resale Strength Scorecard
How well Middleburg holds value.
Our read on the factors that protect resale here, and the one to manage.
Home ageMostly mid-1990s
HOA-enforced upkeepNone identified
Renovation variabilityVerify per home
Carrying costsNo HOA or CDD identified
Inspection importanceHigh priority
Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.
Operator Note
The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.
5 Mistakes Buyers Make in Middleburg
15-Second Take
Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check
The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.
1
Calling the listing agent
The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.
2
Misjudging the renovation math
A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.
3
Overpaying for an interior lot
A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.
4
Underbudgeting the carrying costs
Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.
5
Skipping the systems check
An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.
“
The value here is not a builder price sheet, it is knowing the specific home: its age, its updates, and its condition.
Jon Brooks · Founder, Momentum Realty
Momentum Intelligence
Momentum Buy Score.
Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.
6.0C+ · Buy Score
Resale Strength6.2/10
Renovation Risk5.0/10
Location Efficiency6.2/10
Long-Term Defensibility5.8/10
Carrying Cost Advantage7.6/10
Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.
Momentum Housing Intelligence
Why our read on Middleburg is different.
Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.
Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.
Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.
Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior
Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.
15-Second Take
Homes here are now approaching 30 years old, so condition and updates vary widely.
No HOA means no enforced exterior maintenance standard across the subdivision.
Ask about roof age, HVAC age, and any recent permits before you make an offer.
Verify flood zone and drainage on the specific parcel with the county.
A recent, documented renovation is a real differentiator in this market.
Because Breckenridge was built out gradually in the mid-1990s rather than delivered as a single current phase, the durable difference between two homes here is condition and update history, not a shared floor plan or amenity package. With no HOA identified, there is no enforced standard for exterior upkeep across the subdivision, so drive the block and inspect the specific home rather than assuming consistency from one lot to the next. Treat roof age, HVAC age, and permit history as part of your purchase math, not an afterthought.
The 15-Second Verdict
Middleburg in 15 seconds.
Best forBuyers who want an established Middleburg neighborhood near Fleming Island rather than new construction.
Biggest advantageNo HOA or CDD identified in available records, and a track record of steady demand from county growth.
Biggest riskCondition variability, since homes here are now approaching 30 years old.
Sweet spotA well-maintained or recently updated home with documented roof and system age.
Avoid ifYou want a marketed amenity package or the predictability of HOA-enforced upkeep.
HOA, CDD & Fees
15-Second Take
No HOA identified; confirm with a title search before you buy.
No CDD was identified, but confirm it on the parcel's tax record.
No marketed community amenities; this is not an amenity-based neighborhood.
Home condition varies given the range of update years on homes now approaching 30 years old.
Budget Florida homeowners insurance as a real cost; get a bindable quote on the specific home.
No homeowners association was identified for Breckenridge in available records. Confirm this directly with a title search or the Clay County Property Appraiser before you buy, since older subdivisions occasionally carry dormant deed restrictions without an active, dues-collecting association.
Not applicable; no HOA-funded common areas or services were identified.
There is no golf course or private club associated with this subdivision.
Run Your Numbers
Tools for a Middleburg buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.
Selling in Middleburg
Thinking of selling a Breckenridge home?
Selling an established resale home in Middleburg takes real local comps, not an automated estimate. We will show you the honest math against what is actually selling nearby.
Momentum listings (YTD)
97.98%
Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.
Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.
In Middleburg, condition and view decide your number
Because buyers here are weighing your home against renovated comps and cross-shopping Northglen, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.
What is your Middleburg home worth?
Get a no-obligation home value based on real comparable sales in Middleburg matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Breckenridge year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.
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.
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.
Live market metrics for Breckenridge are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.
Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Breckenridge a new-construction community?
No. It is an established single-family subdivision in Middleburg with homes built mostly in the mid-1990s, rather than a current single-builder phase.
Where is Breckenridge located?
Breckenridge is centered on Breckenridge Boulevard off County Road 220 on the east side of Middleburg, in Clay County, closer to Doctors Inlet and the Fleming Island area than to downtown Middleburg.
What do homes cost in Breckenridge?
Pricing varies by home condition, size, and updates. Check current local listings for an accurate, up-to-date picture rather than relying on a general figure, since this is a resale market without a builder price sheet.
How big are the homes?
Home sizes vary; one recorded listing on Breckenridge Boulevard was 1,906 square feet, built in 1994. Verify the exact size of any specific home before you make an offer.
Is there an HOA, and how much are the dues?
No homeowners association was identified in available records. Confirm this directly with a title search or the Clay County Property Appraiser before you buy, since this affects whether any exterior standards are enforced.
Is there a CDD bond on the taxes?
No Community Development District was identified for this subdivision, but CDD status is best confirmed on the specific parcel's tax record with the Clay County Property Appraiser before you rely on it.
What amenities does the community have?
No community-wide amenities, such as a pool or clubhouse, were identified for Breckenridge. It is a residential subdivision rather than an amenity-based community.
Is Breckenridge gated or age-restricted?
There is no verified information that the subdivision is gated, and it is not marketed as age-restricted or 55 plus.
What schools serve the community?
It is in the Clay County District Schools system. Zoning near Breckenridge Boulevard has been associated with Fleming Island High School, Lake Asbury Junior High School, and Swimming Pen Creek Elementary School, but the exact zoned schools should be verified by the specific address with the district.
How is the commute to Jacksonville and Fleming Island?
Fleming Island Town Center is roughly a 15 to 20 minute approximate drive, NAS Jacksonville is roughly 25 to 30 minutes, and downtown Jacksonville is roughly 35 to 40 minutes. Confirm exact drive times from the specific address before you rely on them.
Is the location improving?
Clay County has been one of the faster-growing counties in Northeast Florida over the past decade, including growth along the Fleming Island and County Road 220 corridors, which supports demand for established, moderately priced neighborhoods like this one, though infrastructure and schools keep pace gradually with that growth.
What is the biggest risk of buying here?
Condition variability. Because homes here are now approaching 30 years old with no enforced HOA maintenance standard, a full inspection matters more than it would in a newer, uniform community.
How should I evaluate a specific home here?
Focus on documented roof age, HVAC age, and any permitted updates or additions, since these vary between homes and drive both livability and resale value more than the subdivision name alone.
Should I get my own agent for a resale purchase here?
Yes. Your own agent can help you evaluate condition, compare true local comps, and negotiate based on the specific home's updates rather than a generic estimate.
How current is the data on this page?
Local facts here are sourced and periodically reviewed. Always confirm the exact price, condition, and availability of any specific home directly before you make an offer.
Who is the best real estate agent for Breckenridge?
The best agent for Breckenridge is one who actively works Middleburg and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Breckenridge.
How do I find a top Middleburg real estate agent who knows Breckenridge?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Breckenridge and the wider Middleburg area.
Can Momentum Realty connect me with an agent for Breckenridge?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Breckenridge purchase or sale - no call center and no pressure.
The Verdict
Should you buy in Middleburg?
An honest fit check. We will tell you when it is not your community.
You want an established, already-built resale home rather than new construction.Excellent fit
You are comfortable evaluating condition and updates on a home-by-home basis.Excellent fit
You want a neighborhood without an HOA structure, based on available records.Excellent fit
You commute toward Fleming Island, NAS Jacksonville, or downtown Jacksonville.Excellent fit
You want a marketed amenity package such as a pool or clubhouse on site.Probably not
You want the predictability of an HOA-enforced maintenance standard.Probably not
You are not prepared to budget for an older home's deferred maintenance.Probably not
You need a brand-new home with a builder warranty.Probably not
Get the inside read on Middleburg
Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Middleburg home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.
You are all set.
A Momentum Realty Middleburg specialist will reach out personally, usually the same day.
Median sale price in Breckenridge, Florida by year (2012 to 2026). Source: Momentum Realty.
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.
Get a real cash offer on your Breckenridge home in 24 hours and close in as little as 7 days, as-is. Because Momentum is a licensed RealTrends-500 brokerage, we'll also show you what listing would net - so you choose with both numbers.
Buying or researching Clay County? See the full Clay County real estate market report - prices, inventory, schools, taxes, and every Duval County neighborhood.
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 your area comps.
