Bull Creek
Homes for Sale in Middleburg, FL
All 343 homes for sale in Middleburg, FL · median $339,000 · 317 homes for sale in 32068 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 3 closed sales in Bull Creek in Middleburg, FL since 2002, the most recent in December 2018. Across Middleburg as a whole, 941 homes closed in the last 12 months at a median of $315,000, 46 median days on market, with 321 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).
Bull Creek sits in Middleburg, out in Clay County, and like most of this part of the market the price you pay tracks the house more than the address. Condition, lot, and how recently the systems were updated do the heavy lifting here. Without a tight price band to point to, treat every listing on its own merits rather than assuming a comp two streets over tells you what yours is worth.
For buyers, that means underwriting each home individually and budgeting for the difference between a move-in-ready property and one that needs work. For sellers, it means presentation and condition are your levers — the market is not going to reward a tired house on location alone. Come with real inspection and pricing discipline on both sides.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Bull Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Bull Creek is a Middleburg community in Clay County, positioned in the outer, more spread-out stretch of the Northeast Florida metro where you trade proximity for land and quiet.
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 Bull Creek is best for.
Best for
- Buyers prioritizing lot size and quiet over commute time
- Renovation-minded buyers willing to price a home on its condition
- Owner-occupants planning a longer hold in Clay County
Probably not for
- Buyers who need to be minutes from dense job and retail centers
- Buyers wanting a uniform, easily-comped price band
- Buyers who won't budget for inspection and potential updates
The market around Bull Creek
Bull Creek is too small for its own price trend, so here is the market around it.
In ZIP 32068, 409 homes are on the market and 22% are under contract — a steady corner of Middleburg.
Across Clay County, 1,289 homes are active and 394 pending (23% under contract).
In ZIP 32068 (Middleburg), 1,082 homes closed in the last 12 months at a median of $320K ($185/sq ft), up 1.8% year over year, with a median 45 days on market. Right now 275 active and 84 pending listings put supply at about 3.0 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Bull Creek specifically. Momentum Research analysis of MLS records.
The Bull Creek buying strategy.
If we were buying in Bull Creek 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 Bull Creek.
Reading Bull Creek without a price band
The honest read on Bull Creek is that a single median doesn't capture the spread you'll see between homes. In an area like Middleburg, two properties at similar square footage can price very differently based on updates, acreage, and outbuildings. Shop the house, not the headline number.
Location is the other variable to weigh. This is a Clay County address with a commuter reality — the tradeoff is space and a slower setting against a longer drive to the denser job and retail cores. That calculus favors buyers who value the room and don't mind the distance.
The location and the amenities are priced into every listing in Bull Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Because a market this condition-driven rewards someone who will walk each home with you and price it on its merits, not on a countywide average. We'll tell you when a listing is priced for its work and when it's priced for a house it isn't yet — and we'll say so plainly before you write an offer.
Bull Creek in 15 seconds.
Tools for a Bull Creek 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 Bull Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bull Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bull Creek home worth?
Get a no-obligation home value based on real comparable sales in Bull Creek, 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 →
Housing distress & ownership in Bull Creek, 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.
More Middleburg home searches
- All homes for sale in Middleburg, FL
- Homes for sale in Clay County, FL
- Gated communities in Middleburg
- Middleburg home values: what is my house worth?
- ZIP 32068 housing scorecard
Middleburg guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Clay County)
- Homestead exemption (Clay County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Alligator Boulevard (1 homes on record)
Email me new listings in Bull Creek
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Bull Creek
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bull Creek will answer, and the answer is published on this page for the next buyer.
Recent Developments in Bull Creek
Development, infrastructure, retail, and school activity affecting Bull Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Clay school district says one-mill referendum renews, not raises, property tax
The Clay County school district says the referendum on the upcoming ballot renews the one-mill levy voters first approved in 2020 at the same rate. The money funds school law enforcement contracts and compensation to retain and attract teachers and support staff. A citizens' advisory committee reviews spending, and the district says non-renewal would leave a funding shortfall.
What it may mean for the marketThe outcome sets school operating funding and staffing support for Clay County without changing the current millage rate. The project is about 15 miles east of Bull Creek, elsewhere in Clay County.
Source: Clay Today - October 2026Retail & Dining
Grumpy's opens largest location yet on Fleming Island
Grumpy's opened at 1803 East-West Parkway in the former Dick's Wings and Grill space, with a Oct. 12 grand opening after benefit soft-opening dinners on Oct. 9 and 10. At 5,352 square feet it is the chain's largest of six Northeast Florida locations, seating up to 190. The owners plan a third restaurant.
What it may mean for the marketA large breakfast-and-lunch restaurant filling a vacant East-West Parkway space adds a dining option on Fleming Island. The project is about 13 miles east of Bull Creek, elsewhere in Clay County.
Source: Clay Today - September 2026Infrastructure
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.
What it may mean for the marketA four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 10 miles northeast of Bull Creek.
Source: News4JAX - 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 8 miles east of Bull Creek, 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 12 miles east of Bull Creek.
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.
Frequently Asked Questions
How many homes are in Bull Creek?
What share of Bull Creek is owner-occupied?
When were the homes in Bull Creek built?
Who is the best real estate agent for Bull Creek?
How do I find a top Middleburg real estate agent who knows Bull Creek?
Can Momentum Realty connect me with an agent for Bull Creek?
Where is Bull Creek, and what county is it in?
How far is Bull Creek from downtown Jacksonville and the beach?
Should you buy in Bull Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32068)) |
| Under-contract shares | realMLS records, as of 2026-11-08 |
| Historical depth | Closed-sale records back to 2002 (3 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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