Bull Creek
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 4 closed sales in Bull Creek in Middleburg, FL since 2002, the most recent in December 2018. 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).
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.
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, 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 Bull Creek specifically. Momentum Research analysis of MLS records.
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.
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 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 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.
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.
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 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 →
Should you buy in Bull Creek?
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 2002 (4 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.
Looking to buy here? Search homes for sale →
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See how Bull Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
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.