Holly Oaks
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.
Photo via realMLS
Over the 12 months ending 2026-11-11, 3 recorded sales closed at a median of $299,000, $178 per square foot, a median 10 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 1998–2025 with 1 new construction; none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 80 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,500 ($3,900 with the full homestead exemption).
Last 30 days in Holly Oaks: 1 closed sale (median $605,500). As of November 11, 2026, realMLS.
Holly Oaks is a small, established pocket in Middleburg where price is driven less by any single spec and more by condition and updates. With homes built anywhere from 1970 to 2024 and a median build year around 1994, you're looking at a genuinely mixed vintage — some houses have been touched recently, others haven't been updated in decades. That spread is the single biggest variable in what a given home is worth, so pricing here rewards close comparison rather than a broad neighborhood number.
At 81 homes with a homestead share near two-thirds, this reads as an owner-occupied, low-churn community rather than an investor playground. For sellers, that stability means a well-prepped, updated home stands out sharply against tired inventory. For buyers, the mixed condition is your opportunity: the difference between a dated house and a renovated one is where the negotiating leverage lives.
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 Holly Oaks 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
Holly Oaks market snapshot (as of November 11, 2026): the median sale price is about $299K ($178 per sq ft over the trailing 12 months of closed sales), and a median 10 days on market for closed sales.
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.
County records show 7 qualified sales in Holly Oaks across 2024–2025 (5 in 2024, 2 in 2025), median $200,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Holly Oaks is a community of 81 homes in Middleburg, Clay County, built between 1970 and 2024 (median 1994.5), with a median living area of about 1,506 square feet. 67% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Holly Oaks is a compact Middleburg community of 81 homes spanning more than five decades of construction, with a median living area around 1,500 square feet. It's a place where the individual house — its age and how it's been maintained — matters far more than the label on the neighborhood.
The setting & the homes.
Aerial and on-site photos of Holly Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Holly Oaks
Holly Oaks
Holly OaksPhotos from realMLS listings in Holly Oaks; content deemed reliable but not guaranteed.
Who Holly Oaks is best for.
Best for
- Buyers seeking a right-sized home near 1,500 square feet who value a stable, low-turnover setting
- Value-focused buyers willing to take on a dated home and budget for updates
- Long-term owner-occupants who plan to homestead and stay put
Probably not for
- Buyers who need substantially more than ~1,500 square feet
- Investors chasing high turnover and rental churn
- Anyone wanting only new construction with uniform finishes and no renovation risk
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 11 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($299K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (3 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.
21% 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 (2026-11-11).
Holly Oaks Market Scorecard
Holly Oaks is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Holly Oaks 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.
The Holly Oaks buying strategy.
If we were buying in Holly Oaks 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 Holly Oaks.
A condition-driven market, not a spec-driven one
The defining feature here is the build range: 1970 to 2024. A neighborhood that adds homes across that many years doesn't behave like a uniform subdivision. Floor plans, lot treatments, and systems vary widely, and so does asking price relative to real value. The median living area near 1,500 square feet points to a stock of modest, manageable homes rather than sprawling new construction — but that median hides real variation on either side.
With about two-thirds of homes homesteaded, turnover tends to be measured, and listings that do come up are worth acting on when the condition and price line up. Because we're working from a short closings window, treat any read on pace as provisional — the smart move is to price and offer against the specific comparable, not a neighborhood average.
The location and the amenities are priced into every listing in Holly Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community where value swings on age and condition rather than a headline number, our job is to read each house on its own terms — what's been updated, what hasn't, and what that means against the nearest true comparable. We'll tell you where a listing is fairly priced, where it's leaning on cosmetics, and where the renovation math actually pencils out. That's more useful here than any single market statistic.
Holly Oaks in 15 seconds.
Tools for a Holly Oaks 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 Holly Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Holly Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Holly Oaks home worth?
Get a no-obligation home value based on real comparable sales in Holly Oaks, 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 →
Recently sold in Holly Oaks Middleburg
- 1926 Friendly Place · sold $605,500
- 1886 Gentle Breeze Road · sold $299,000
- 1886 Gentle Breeze Road · sold $150,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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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Recent Developments in Holly Oaks
Development, infrastructure, retail, and school activity affecting Holly Oaks, 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 site is about 14 miles southeast of Holly Oaks.
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 6 miles east of Holly Oaks.
Source: News4JAX - 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 7 miles north of Holly Oaks.
Source: Jax Daily Record - 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 southeast of Holly Oaks, 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 11 miles southeast of Holly Oaks.
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 7 miles north of Holly Oaks.
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.
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Frequently Asked Questions
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What share of Holly Oaks is owner-occupied?
When were the homes in Holly Oaks built?
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Should you buy in Holly Oaks?
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 11, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending November 11, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32068)) |
| Under-contract shares | realMLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2012 (22 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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