Mill Creek
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 3 closed sales in Mill Creek in Middleburg, FL since 2005, the most recent in March 2017. Across Middleburg as a whole, 666 homes closed in the last 12 months at a median of $315,000, 46 median days on market, with 218 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,740 ($4,150 with the full homestead exemption).
In Mill Creek, price tends to follow condition more than any single feature. Without a current spread of active listings in hand, the honest read is that what a home has been kept up to — roof, systems, updates, lot situation — is doing most of the work in setting value here in Middleburg.
For a buyer, that means underwriting each house on its own merits rather than assuming a neighborhood number applies to it. For a seller, it means presentation and mechanical condition are your levers. This is a market where a well-prepared home separates itself, and a deferred-maintenance home gets discounted.
The 60-Second Overview
Mill Creek sits in Middleburg, in Clay County, on the western side of the Northeast Florida market. It reads as a settled, suburban Clay County community rather than a downtown-adjacent one, and pricing here is best judged home-by-home.
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.
Who Mill Creek is best for.
Best for
- Buyers who want more room and a quieter Clay County setting and can absorb the commute trade-off
- Buyers comfortable evaluating a home on its own condition and systems rather than a neighborhood average
- Sellers with a well-kept home who want condition and presentation to work in their favor
Probably not for
- Buyers whose daily obligations keep them on the eastern side of the region
- Buyers who want walkable, downtown-adjacent convenience
- Buyers unwilling to pay for the difference a home's condition and updates make
The market around Mill Creek
Mill Creek is too small for its own price trend, so here is the market around it.
In ZIP 32068, 459 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,267 homes are active and 451 pending (26% under contract).
ZIP and county figures describe the wider market, not Mill Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Mill Creek, 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.
Recent Developments in Mill Creek
Development, infrastructure, retail, and school activity affecting Mill Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- 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 6 miles east of Mill Creek, 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 10 miles east of Mill Creek.
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.
The Mill Creek buying strategy.
If we were buying in Mill Creek 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 Mill Creek.
What actually drives value in Mill Creek
Middleburg is a Clay County location, which shapes the trade-off buyers make here: more room and a quieter setting in exchange for a longer reach toward the region's job centers and services. If your daily routine keeps you on this side of the county, that math works in your favor; if it pulls you east every day, weigh the commute honestly before you fall for a floor plan.
Because condition is the main story, the smartest move on either side of the table is a close look at the individual house — age of major systems, updates, and lot. We would rather walk you through a specific home than quote a neighborhood average that may not describe the one you actually want.
The location and the amenities are priced into every listing in Mill Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We cover Clay County and Middleburg specifically, and we price and negotiate on the actual condition of the actual house rather than a blanket neighborhood figure. If Mill Creek isn't the right fit for how you live or what you want to spend, we'll say so and point you somewhere that is.
Mill Creek 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 Mill Creek 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 Mill Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Mill Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Mill Creek home worth?
Get a no-obligation home value based on real comparable sales in Mill Creek, 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 →
Should you buy in Mill Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (3 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 local comps.
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See how Mill Creek 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.