Clay Hill Homes for Sale in Middleburg, FL

Rural single-family and acreage homes · Middleburg · ZIP 32068

A rural, large-lot area along County Road 218 in the northwest corner of Clay County, for buyers who want acreage and distance from neighbors rather than a platted subdivision.

Rural acreageMiddleburg, Clay CountyZIP 32068

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is an unincorporated rural area rather than a platted subdivision, so listing activity is thin and parcels vary widely in size and condition. Verify current inventory and the specific parcel before you tour.

Free · No obligation

Unlock Off-Market Clay Hill

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

Soft

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

"Clay Hill is not a subdivision in the usual sense; it is a named, unincorporated rural community in the far northwest of Clay County, built around agriculture and large-lot living rather than a builder's plan or an HOA. There is no marketed amenity package and no deed-enforced upkeep standard, which keeps carrying costs simple but also means every parcel needs to be evaluated on its own condition, access, and zoning. The bigger context is Clay County's sustained growth pushing outward from Middleburg, which is gradually adding rooftops to a corridor that has been agricultural for generations."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Clay Hill is an unincorporated rural community in the northwest corner of Clay County, centered on County Road 218 northwest of Middleburg. It is not a single platted subdivision; it is a recognized place with its own fire station, elementary school, and small local businesses, set among working farms and large residential parcels.

Because this is not a builder-driven or subdivision-driven market, the homes and land available at any given time reflect individual owners' decisions to sell, on parcels that vary from standard residential lots to multi-acre tracts used for hay, cattle, or timber. Your leverage as a buyer is evaluating the specific parcel, its access, and its agricultural or residential zoning, not comparing uniform floor plans.

The bigger picture is location. Clay Hill sits at the edge of Clay County's growth, further out than Middleburg proper, which has historically meant more space and lower density in exchange for a longer drive to Jacksonville-area jobs. That tradeoff is the main thing to weigh here, along with confirming well, septic, and any agricultural exemptions on the specific parcel.

Quick Match

Who Clay Hill is best for.

Best for

Buyers who want acreage, distance from neighbors, or room for animals rather than a standard subdivision lot
Buyers comfortable with well and septic systems and evaluating parcels individually rather than relying on a uniform builder standard
Buyers who want a rural, unincorporated area without an HOA structure

Probably not for

Buyers who want a short commute to downtown Jacksonville or NAS Jacksonville
Buyers who want a marketed clubhouse or resort-style amenity package on site
Buyers who need municipal water and sewer rather than well and septic

Market Pulse

How Clay Hill 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 Clay Hill 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 Clay Hill listings and the trailing twelve months of closed sales.

Where prices are goingn/a2026 YTD

Median sale price by year. Tap a label to compare Barrington Estates or Middleburg. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square footn/a2026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Clay Hill buys, holds, and resells. See the five factors.

Interactive Map

Clay Hill 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.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Clay Hill. They are approximate and vary with traffic and your exact start point.

Downtown Jacksonville45 to 55 min · approximate

NAS Jacksonville35 to 45 min · approximate

Middleburg town center15 to 20 min · approximate, via County Road 218

Green Cove Springs, the Clay County seat25 to 35 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Clay Hill Homes for Sale in Middleburg, FL with Momentum Realty’s local guides.

PRPine Ridge Plantation Homes for Sale in Middleburg, FLMiddleburg, FL · 1.4 mi

SpencerTrails Homes for Sale in Middleburg, FLMiddleburg, FL · 2.6 mi

Baxley Villas in Middleburg, FLMiddleburg, FL · 3.4 mi GHGreenwoodEstates Homes for Sale in Middleburg, FLMiddleburg, FL · 3.9 mi WHWoodbridge Homes for Sale in Middleburg, FLMiddleburg, FL · 3.9 mi

Black CreekShores Homes for Sale in Middleburg, FLMiddleburg, FL · 4.6 mi THTheRetreat Homes for Sale in Middleburg, FLMiddleburg, FL · 4.8 mi

BaxleyHideaway Homes for Sale in Middleburg, FLMiddleburg, FL · 5.1 mi

Murray Farms Homes for Sale in Middleburg, FLMiddleburg, FL · 5.2 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Clay Hill (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

Clay Hill 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

Middleburg High School (Clay County District Schools, verify by address)

Middle

Wilkinson Junior High School or your address-zoned middle school (verify by address)

Elementary

Clay Hill Elementary School or your address-zoned elementary school (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Clay Hill address.

The takeaway

The story here is Clay County's growth gradually reaching its rural edges. Middleburg and the closer-in parts of the county have added residents quickly, and that growth is slowly extending further out along corridors like County Road 218 toward Clay Hill.

Recent Developments in Clay Hill

Development Intelligence

Our read on what is being built around Clay Hill, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet neutral to modestly positive for long-term demand, tempered by the reality that Clay Hill remains rural and agricultural, so infrastructure, and any future rezoning, will move slowly relative to the closer-in parts of the county.

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, gradually extending demand outward from Middleburg toward more rural areas like Clay Hill.

Florida homeowners insurance costs

2026

NeutralNotable impact

SignificanceRadius: Region

Florida homeowners insurance remains a real, ongoing line item statewide. Rural parcels can also face separate considerations for well, septic, and any outbuildings, so get a bindable quote on the specific property before you commit.

Rural market conditions

2026

NeutralMinor impact

SignificanceRadius: Community

As an unincorporated, agriculturally oriented area, Clay Hill does not have a phased release schedule or a subdivision-wide market; inventory reflects individual owners' decisions to sell. Compare current listings and parcel specifics directly rather than relying on general 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 Clay Hill, 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 Clay Hill buying strategy.

If we were buying in Clay Hill, this is the order of operations we would run, and the one we run for our clients.

Get a full home and property inspection, including the well, septic system, and any outbuildings, since condition varies significantly parcel to parcel.

Confirm the parcel's zoning, any agricultural exemption, and flood zone with the Clay County Property Appraiser before you make an offer.

Verify the exact zoned elementary, middle, and high school by the home's address with the Clay County District Schools office.

Get a bindable homeowners insurance quote for the specific property, factoring in roof age, distance to a fire hydrant or station, and any farm structures.

Compare the specific parcel's access, acreage, and condition against a nearby established Middleburg community, such as Barrington Estates, before you make an offer.

The Quick Decision

Best Buy

A parcel with a documented, working well and septic system and clear road access, since these vary widely here.

Biggest Risk

Buying acreage without confirming zoning, septic condition, or agricultural exemption status upfront.

Best Lot

Verify flood zone, wetlands, and septic suitability on the specific parcel with the Clay County Property Appraiser.

Smart Timing

Rural, resale-driven. Inventory turns over slowly and reflects individual owners, not a builder or HOA schedule.

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 rural residential, mostly single-family on acreage

Era

Mixed ages; confirm exact year built per parcel with the Clay County Property Appraiser

Size range

Varies widely by parcel; verify square footage and lot size on the specific listing

Bedrooms

Typically 3 to 4; verify per listing

Costs & Fees

HOA

Not applicable; this is an unincorporated rural area, not a platted HOA subdivision

CDD

None identified; confirm on the parcel tax record

Property use

Primary residences, including a number of working farms and agricultural parcels

Amenities

Marketed

No community-wide amenities; this is a rural area rather than a planned community

Status

Not applicable

Location

Town

Middleburg, Clay County (Clay Hill area, County Road 218)

Downtown Jacksonville

About 45 to 55 min (approximate)

NAS Jacksonville

About 35 to 45 min (approximate)

Clay Hill Homes For Sale

What your money buys in Clay Hill.

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 Clay Hill 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

Smaller homes on standard residential-sized lots, generally the best candidates for a full inspection of the house, well, and septic before you commit.

Lowest entry

The Core

Mid-size homes on an acre or more, where much of the resale activity in this area tends to concentrate.

Most inventory

The Top

Larger acreage parcels, including working or income-producing agricultural tracts; verify exact acreage and any farm exemption on the current listing.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry

Smaller homes on standard residential-sized lots, generally the best candidates for a full inspection of the house, well, and septic before you commit.

The Core

Mid-size homes on an acre or more, where much of the resale activity in this area tends to concentrate.

The Top

Larger acreage parcels, including working or income-producing agricultural tracts; verify exact acreage and any farm exemption on the current listing.

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 Clay Hill, 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 Clay Hill 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 Clay Hill holds value.

Our read on the factors that protect resale here, and the one to manage.

Home and parcel age rangeVaries, verify per property

HOA-enforced upkeepNone; no HOA in this area

Well and septic conditionVerify per property

Carrying costsNo HOA or CDD identified

Inspection importanceHigh priority, including well and septic

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 Clay Hill

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.

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.

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.

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.

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.

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 subdivision amenity, it is space: the acreage, the access, and the specific parcel's 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.

5.5C · Buy Score

Resale Strength5.6/10

Renovation Risk5.0/10

Location Efficiency4.8/10

Long-Term Defensibility6.0/10

Carrying Cost Advantage7.4/10

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 Clay Hill 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.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

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 and parcels here vary widely in size, from standard lots to multi-acre tracts.
No HOA means no enforced exterior maintenance standard across the area.
Well and septic condition matter as much as the house itself; inspect both.
Verify flood zone, wetlands, and any agricultural exemption on the specific parcel.
Road frontage and access can vary; confirm ingress and egress before you buy.

Because Clay Hill is a rural, unincorporated area rather than a single subdivision, the durable difference between two properties here is the parcel itself, its acreage, access, and utility setup, not a shared floor plan or amenity package. With no HOA identified, there is no enforced standard for upkeep across the area, so evaluate the specific well, septic system, and road access rather than assuming consistency from one property to the next. Treat any agricultural exemption, flood zone status, and outbuilding condition as part of your purchase math.

The 15-Second Verdict

Clay Hill in 15 seconds.

Best forBuyers who want acreage and rural space in Clay County rather than a platted subdivision.

Biggest advantageNo HOA, larger lots, and room for animals or a working parcel, based on the area's character.

Biggest riskWell, septic, and access condition vary widely by parcel and take real diligence to verify.

Sweet spotA well-maintained parcel with a documented septic system and clear, easy road access.

Avoid ifYou need a short commute to Jacksonville or want a marketed HOA amenity package.

HOA, CDD & Fees

15-Second Take

No HOA; this is an unincorporated rural area, not a platted subdivision.
No CDD was identified, but confirm it on the parcel's tax record.
No marketed community amenities; this is not an amenity-based neighborhood.
Well and septic systems are common here; get both inspected before you buy.
Budget Florida homeowners insurance as a real cost; get a bindable quote on the specific property.

There is no homeowners association in Clay Hill. It is an unincorporated rural area rather than a platted, deed-restricted subdivision, so there is no dues-collecting association to confirm.

Not applicable; there are no HOA-funded common areas or services in this area.

There is no golf course or private club associated with this community.

Run Your Numbers

Tools for a Clay Hill buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxClay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Clay Hill.Save Our HomesProject your homestead tax cap over time.

The takeaway

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 Clay Hill

Thinking of selling a Clay Hill property?

Selling rural acreage in Clay County 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 Clay Hill, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Barrington Estates, 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 Clay Hill home worth?

Get a no-obligation home value based on real comparable sales in Clay Hill 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.

See homes for sale in Clay Hill on the map →

Real comps, not an automated estimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Clay Hill 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.

$1,806/mo

Clay County typical true cost to own

$99/mo

Clay County typical home insurance

Check CDD

Confirm 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.

Live market metrics for Clay Hill 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 Clay Hill a new-construction community?

No. It is an established, unincorporated rural community in the northwest corner of Clay County, built around agriculture and large-lot living rather than a builder release.

Who built Clay Hill?

There is no single builder or developer associated with the area. It is a longstanding, named rural community rather than a modern single-phase development.

What do homes cost in Clay Hill?

Pricing varies significantly by parcel size, acreage, and condition. Check current local listings for an accurate, up-to-date picture rather than relying on a general figure, since this is a rural market without a subdivision-wide price sheet.

How big are the lots?

Lot and parcel sizes vary widely, from standard residential lots to multi-acre agricultural tracts. Verify the exact acreage of any specific parcel before you make an offer.

Is there an HOA, and how much are the dues?

No. Clay Hill is an unincorporated rural area rather than a platted, deed-restricted subdivision, so there is no homeowners association.

Is there a CDD bond on the taxes?

No Community Development District was identified for this area, 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 Clay Hill. It is a rural area rather than an amenity-based community.

Is Clay Hill gated or age-restricted?

There is no verified information that the area 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, home to Clay Hill Elementary School on County Road 218, with Middleburg High School at the high-school level. The exact zoned schools should be verified by the specific address with the district.

How is the commute to Jacksonville?

Downtown Jacksonville is roughly a 45 to 55 minute approximate drive, and NAS Jacksonville is roughly 35 to 45 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, which is gradually extending demand outward from Middleburg, though Clay Hill itself remains agricultural and rural, and infrastructure keeps pace slowly with that growth.

What is the biggest risk of buying here?

Parcel condition and utilities. Because this is a rural area with well and septic systems and no enforced HOA maintenance standard, a full inspection of the property, well, and septic matters more than it would in a newer, uniform subdivision.

How should I evaluate a specific property here?

Focus on documented well and septic condition, road access, zoning, and any agricultural exemption, since these vary between parcels and drive both livability and resale value more than the area name alone.

Should I get my own agent for a rural purchase here?

Yes. Your own agent can help you evaluate the parcel, compare true local comps, and negotiate based on the specific property's condition and acreage 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 property directly before you make an offer.

Who is the best real estate agent for Clay Hill?

The best agent for Clay Hill 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 Clay Hill.

How do I find a top Middleburg real estate agent who knows Clay Hill?

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 Clay Hill and the wider Middleburg area.

Can Momentum Realty connect me with an agent for Clay Hill?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Clay Hill purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Clay Hill?

An honest fit check. We will tell you when it is not your community.

You want acreage, distance from neighbors, or room for animals rather than a standard subdivision lot.Excellent fit

You are comfortable with well and septic systems and evaluating parcels individually.Excellent fit

You want a rural, unincorporated area without an HOA structure.Excellent fit

You do not need a short daily commute to downtown Jacksonville or NAS 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 need municipal water and sewer rather than well and septic.Probably not

You need a short commute to Jacksonville-area employment.Probably not

Get the inside read on Clay Hill

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Clay Hill 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 Clay Hill specialist will reach out personally, usually the same day.

Median sale price in Clay Hill, 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.

Clay Hill Homes for Sale in Middleburg, FL

The 60-Second Overview

Who Clay Hill is best for.

Best for

Probably not for

How Clay Hill is performing right now

Clay Hill on the map.

How far is everything?

Nearby Communities

Schools

Middleburg High School (Clay County District Schools, verify by address)

Wilkinson Junior High School or your address-zoned middle school (verify by address)

Clay Hill Elementary School or your address-zoned elementary school (verify by address)

Recent Developments in Clay Hill

Clay County population growth

Florida homeowners insurance costs

Rural market conditions

The Clay Hill buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

What your money buys in Clay Hill.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Clay Hill holds value.

5 Mistakes Buyers Make in Clay Hill

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Clay Hill is different.

Which Lots & Views Hold Value Best

Clay Hill in 15 seconds.

HOA, CDD & Fees

Tools for a Clay Hill buy.

Thinking of selling a Clay Hill property?

In Clay Hill, condition and view decide your number

What is your Clay Hill home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Frequently Asked Questions

Should you buy in Clay Hill?

Get the inside read on Clay Hill

You are all set.

Need to sell fast in Duval County?

You just read the data. Now see what your home is worth.