Clay Hill
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Price here is driven more by condition and lot than by any single product type. The housing stock spans more than a century, from homes built as early as 1910 to new construction completed in 2024, with the midpoint around 1995. That range is the story: two homes at the same $299,900 median can be worlds apart in age, finish, and land, so the number you see on a listing tells you less than the walk-through does.
The market is moderately active. A median of 26 days on market and a heat score of 56 point to steady demand without frenzy, which gives buyers room to inspect and negotiate rather than waive everything to win. The reported year-over-year change is large, but it sits on only 13 closings in the window, so treat it as a thin, noisy signal rather than a trend you can bank on. Sellers should price to condition and comparable age, not to a headline percentage.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Clay Hill right now
🟢 Still climbing. The trailing-12-month median ($270K) is up 69.6% from the prior 12 months ($159K). With about 5 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 26. Confidence: Low (5 and 3 sales in the two windows).
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· Updated October 26, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Clay Hill market snapshot (as of October 26, 2026): the median sale price is about $270K ($146 per sq ft over the trailing 12 months of closed sales), and a median 20 days on market for closed sales. The trailing-12-month median is up 70% from the prior 12 months, computed from record-level realMLS closed sales (5 closings in the current window).
Clay Hill is a community of 583 homes in Middleburg, Clay County, built between 1940 and 2024 (median 1993.0), with a median living area of about 1,568 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Clay Hill Middleburg is a large, varied pocket of roughly 1,058 homes in Clay County where age and condition, not a uniform build-out, set value. With about 63% homestead occupancy, it reads as a lived-in, owner-held area rather than an investor churn.
Who Clay Hill is best for.
Best for
- Buyers targeting the mid-price range who will trade a longer search for the right condition
- Owner-occupants seeking a mid-size home who value inspecting each property on its own merits
- Renovation-minded buyers comfortable underwriting older stock on roof, systems, and structure
Probably not for
- Buyers who want only new construction with consistent, predictable finishes
- Anyone relying on the year-over-year figure as a firm forecast off a small sample
- Buyers who want a single, uniform product type and tight, easy comps
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 26 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($270K) IS the median in the snapshot above, and the move from 2025 ($159K) IS the +69.6% one-year change.
Windows contain 0 to 13 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
24% of homes for sale in ZIP 32068 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-25).
Housing distress & ownership in Clay Hill, 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.
The Clay Hill buying strategy.
If we were buying in Clay Hill 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 Clay Hill.
One median, many houses
The defining trait is spread. When the building stock runs from 1910 to 2024 around a 1995 midpoint, the median price of $299,900 and median of roughly $153 per square foot are averages laid over very different homes: older structures on established lots, mid-cycle builds, and a thin edge of new construction. Buyers should underwrite each property on its own bones rather than assuming the median describes what they will tour.
A median living area near 1,568 square feet anchors expectations at a mid-size home, but that figure hides both smaller older cottages and larger newer builds. Because so much of the value here is condition-driven, the leverage is in inspection: know what you are buying into on roof, systems, and structure, and price accordingly.
The location and the amenities are priced into every listing in Clay Hill. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Clay Hill buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (8.7). Basis: Recent Direction +69.6% year-over-year; Owner Commitment 61% owner-occupied; Pricing Power 102.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A market this heterogeneous rewards local pricing judgment over algorithms. We read each home against genuinely comparable age and condition rather than the neighborhood median, and with only 13 closings in the window, we lean on the specifics of a property instead of a thin sample. That keeps sellers from mispricing and buyers from overpaying on a home whose real story is in the details.
Clay Hill in 15 seconds.
Tools for a Clay Hill 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 Clay Hill sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Clay Hill, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Clay Hill home worth?
Get a no-obligation home value based on real comparable sales in Clay Hill, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Clay Hill?
How long do homes in Clay Hill take to sell?
How many homes are in Clay Hill?
What share of Clay Hill is owner-occupied?
When were the homes in Clay Hill built?
Who is the best real estate agent for Clay Hill?
How do I find a top Middleburg real estate agent who knows Clay Hill?
Can Momentum Realty connect me with an agent for Clay Hill?
Should you buy in Clay Hill?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Clay Hill with Momentum Realty’s local guides.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending October 26, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (13 streets, ZIP 32068/32234)) |
| Under-contract shares | realMLS records, as of 2026-10-25 |
| Historical depth | Closed-sale records back to 2004 (60 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.
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See how Clay Hill fits the bigger picture — live prices, inventory, and Momentum Scores: