Mccullough Estates
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of COLDWELL BANKER VANGUARD REALTY · via realMLS
As of September 2026, the MLS records 4 closed sales in Mccullough Estates in Middleburg, FL since 2017, the most recent in October 2025. Across Middleburg as a whole, 665 homes closed in the last 12 months at a median of $312,500, 46 median days on market, with 220 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,700 ($4,110 with the full homestead exemption).
Mccullough Estates sits in Middleburg, out in Clay County where lot size and home condition tend to drive price more than location does. With the data we have here, there isn't a reliable median or spread to anchor a hard number, so treat any figure you see elsewhere with skepticism and lean on the actual condition of the specific house in front of you.
For a buyer, that means the work is in the walkthrough, not the spreadsheet — compare updated homes against those needing work and price the gap yourself. For a seller, presentation and condition are your levers; a clean, move-in-ready home reads very differently here than one that needs updating.
The 60-Second Overview
Mccullough Estates is a Middleburg community in Clay County, the kind of Northeast Florida address where individual home condition and lot matter more than any neighborhood-wide average.
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 Mccullough Estates. Swipe to explore the community.
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Mccullough Estates
Mccullough Estates
Mccullough EstatesPhotos from realMLS listings in Mccullough Estates; content deemed reliable but not guaranteed.
Who Mccullough Estates is best for.
Best for
- Buyers prioritizing land and space over proximity to downtown Jacksonville
- Buyers willing to weigh a move-in-ready home against a project and price the difference
- Long-hold buyers who value a settled Clay County location
Probably not for
- Buyers who need a short commute to the urban core
- Buyers wanting walkable shops and nightlife at the doorstep
- Buyers who want a precise, data-backed price target before touring the home
The market around Mccullough Estates
Mccullough Estates is too small for its own price trend, so here is the market around it.
In ZIP 32068, 475 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,221 homes are active and 475 pending (28% under contract).
ZIP and county figures describe the wider market, not Mccullough Estates specifically. Momentum Research analysis of MLS records.
Life at Mccullough Estates
- Gated · reported on 1 of 1 listings
- Security Gate · reported on 1 of 1 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Mccullough Estates buying strategy.
If we were buying in Mccullough Estates 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 Mccullough Estates.
The location and the amenities are priced into every listing in Mccullough Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Middleburg rewards local eyes. We price off the house and the lot in front of us rather than a countywide average, and we'll tell you plainly when a listing is asking more than its condition supports — or when it's the deal it looks like.
Mccullough Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Mccullough Estates 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 Mccullough Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mccullough Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mccullough Estates home worth?
Get a no-obligation home value based on real comparable sales in Mccullough Estates, 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 Mccullough Estates on the map →
Should you buy in Mccullough Estates?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Mccullough Estates with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 30, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-30 |
| Historical depth | Closed-sale records back to 2017 (4 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 sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Mccullough Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
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.
Mccullough Estates Market Scorecard
Mccullough Estates is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32068 ZIP is $328,619, about 20.0% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.