Holly Oaks
Homes for Sale in Middleburg, FL
All 369 homes for sale in Middleburg, FL · median $345,000 · 334 homes for sale in 32068 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-10-20, 4 recorded sales closed at a median of $259,500, $181 per square foot, a median 31 days on market, sellers accepting 96% of original asking. At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $3,910 ($3,310 with the full homestead exemption).

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 October 20, 2026): the median sale price is about $260K ($181 per sq ft over the trailing 12 months of closed sales), and a median 32 days on market for closed sales.
In ZIP 32068 (Middleburg), 1,206 homes closed in the last 12 months at a median of $320K ($185/sq ft), up 1.6% year over year, with a median 45 days on market. Right now 268 active and 93 pending listings put supply at about 4.3 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.
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 October 20 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($260K) IS the median in the snapshot above.
Windows contain 0 to 4 sales each (4 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.
26% 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 (2026-10-20).
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.
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Middleburg guides & data
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- Homestead exemption (Clay County)
- Home insurance cost
- New construction
Florida buyer guides
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- The 4-point inspection, explained
- Florida flood insurance calculator
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Frequently Asked Questions
What is the median home price in Holly Oaks?
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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
| Community market stats | realMLS closed sales, 12-month windows ending October 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32068)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Historical depth | Closed-sale records back to 2002 (29 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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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.
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See how Holly Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Holly Oaks with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Holly Oaks. These are the public schools most often assigned to other communities in ZIP 32068; zones change and vary by address, so confirm with the district before you buy.
- Middleburg High School · 9-12 · FLDOE grade A (assigned to 56 nearby communities)
- Wilkinson Junior High School or your address-zoned middle school · Middle (assigned to 25 nearby communities)
- Wilkinson Junior High School · 7-8 · FLDOE grade A (assigned to 22 nearby communities)
- Middleburg Elementary School or your address-zoned elementary school · Elementary (assigned to 14 nearby communities)
- Tynes Elementary School · PreK-6 · FLDOE grade B (assigned to 11 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).






