Clay
Homes for Sale in Middleburg, FL
All 336 homes for sale in Middleburg, FL · median $339,900 · 318 homes for sale in 32068 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via realMLS
As of November 2026, Clay in Middleburg, FL has 1 home for sale. Homes listed or recently sold were built 1984–2025 with 1 new construction; 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 10 ft).
Last 30 days in Clay: 1 new listing (median asking $450,000), 1 under contract right now. As of November 11, 2026, realMLS.
The current MLS snapshot for Clay is thin on the usual anchors — no median price, no days-on-market, no amenity set to read against. That means price here is being set listing by listing, driven by the condition, lot, and specifics of each individual home rather than by any community premium or shared feature. Treat every property on its own terms.
For a buyer, that puts the burden on the walkthrough and the comps, not on a headline number. For a seller, it means you are competing on the merits of your home — updates, layout, land — with nothing communal to lean on. Both sides should slow down and verify what the listing actually offers before pricing or offering.
Figures in this note are as of July 18, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Clay right now
🟢 Buyer-leaning market. 12.0 months of supply and 50% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of November 10, 2026. Confidence: Low (2 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 11, 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 is a Middleburg-area community that, as of mid-2026, shows no shared amenities in current MLS listings — so what you buy is the house and the land, not a package of community features.
realMLS (Northeast Florida) sales records identify 7 homes in Clay that have changed hands since 2018, built between 1990 and 2025 (median 2006), with a median living area of about 1,629 sq ft and a typical 3-bedroom, 2-bath layout; 71% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
The setting & the homes.
Aerial and on-site photos of Clay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Clay
Clay
ClayPhotos from realMLS listings in Clay; content deemed reliable but not guaranteed.
Who Clay is best for.
Best for
- Buyers prioritizing land and a private home over shared community features
- Value-focused buyers willing to compare condition closely and negotiate on the merits
- Buyers comfortable in a Middleburg-area setting rather than an amenity-driven subdivision
Probably not for
- Buyers who want a pool, clubhouse, or other on-site community amenities
- Buyers who want a predictable, narrow price band across comparable homes
- Buyers looking for a gated or managed community experience
The market around Clay
Clay is too small for its own price trend, so here is the market around it.
In ZIP 32068, 406 homes are on the market and 22% are under contract — a steady corner of Middleburg.
Across Duval County, 4,289 homes are active and 1,462 pending (25% under contract).
In ZIP 32068 (Middleburg), 1,079 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 270 active and 85 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 Clay specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Clay
Live MLS inventory for Clay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Clay listings as of 2026-11-10, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Clay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Paterson · Elementary
- Green Cove Springs · Middle
- Fleming Island · High
Zoned schools reflect the assignments reported on recent Clay listings and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Clay address.
The Clay buying strategy.
If we were buying in Clay 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
What sets value here
With no community amenities identified in the current listings, value in Clay is condition-driven and property-specific. There is no clubhouse, pool, or gated entry to justify a premium, so the differences between homes — updates, square footage, lot, and setting — do the pricing work.
Expect a wide spread rather than a tidy band, because homes are being valued individually. That makes disciplined comparison essential: two homes at similar sizes can price very differently based on what has been done to them. Verify utilities, access, and any acreage claims directly rather than assuming a community standard applies.
The location and the amenities are priced into every listing in Clay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community has no shared amenities to price against, the analysis lives in the details — condition, lot, and comparable sales that actually match. We read each listing on its own merits, tell you where a price is defensible and where it is a reach, and keep you from overpaying for a home simply because it is nearby and looks similar.
Clay in 15 seconds.
Tools for a Clay 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 sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Clay, 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 home worth?
Get a no-obligation home value based on real comparable sales in Clay, 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 Clay, 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.
Every Home for Sale in Clay Middleburg Right Now (2)
All 2 active and pending Clay Middleburg listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1068 Clay Street · $450,000 · 4 bd / 2 ba · listed Oct 19, 2026 · listed by Coldwell Banker Vanguard Realty
- 4072 Scenic Drive · $430,000 · 3 bd / 2 ba · pending · listed Aug 12, 2026 · listed by Southeast Realty Group
More Middleburg home searches
- All homes for sale in Middleburg, FL
- Homes for sale in Duval 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
Real estate agent in Middleburg? Join Momentum in Middleburg: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Peppergrass Street (1 homes on record)
- Creek Hollow Lane (1 homes on record)
- Foxtail Avenue (1 homes on record)
- Thunder Road (1 homes on record)
Recent Developments in Clay
Development, infrastructure, retail, and school activity affecting Clay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Loretto Elementary breaks ground on $12.3 million classroom addition
The addition will replace 13 portable classrooms and two aging pod buildings with 15 classrooms, a music room and a teacher planning room, and will expand the parent drop-off loop. The school enrolls 875 students for 2026-27. Funding comes from the voter-approved half-cent sales tax, with opening expected in 2028.
What it may mean for the marketExpanded permanent capacity and a longer drop-off loop affect school-area traffic and classroom availability in the Mandarin area. The project is about 16 miles east of Clay, elsewhere in Duval County.
Source: Hoodline - 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 8 miles southeast of Clay.
Source: News4JAX - July 2026Development
JWB secures funding for 108 affordable housing units in Jacksonville
Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.
What it may mean for the marketAdds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The project is about 11 miles northeast of Clay, elsewhere in Duval County.
Source: Jacksonville Today - June 2026Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
What it may mean for the marketContinued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 5 miles north of Clay.
Source: Jax Daily Record - 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 13 miles southeast of Clay.
Source: Jax Daily Record - April 2026Development
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
What it may mean for the marketA build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 5 miles north of Clay.
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.
29% of homes for sale in ZIP 32003 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 (2026-11-11).
Email me new listings in Clay
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 Clay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Clay will answer, and the answer is published on this page for the next buyer.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Clay Middleburg year by year since 2014, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
Is Clay a buyer's or seller's market right now?
Who is the best real estate agent for Clay?
How do I find a top Middleburg real estate agent who knows Clay?
Can Momentum Realty connect me with an agent for Clay?
Where is Clay, and what county is it in?
How far is Clay from downtown Jacksonville and the beach?
Should you buy in Clay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 10, 2026) |
| Under-contract shares | realMLS records, as of 2026-11-10 |
| Historical depth | Closed-sale records back to 2018 (6 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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See how Clay fits the bigger picture — live prices, inventory, and Momentum Scores: