Osceola
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Osceola in Middleburg, FL since 2002, the most recent in July 2004. Across Middleburg as a whole, 667 homes closed in the last 12 months at a median of $315,000, 47 median days on market, with 219 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).
Osceola sits in Middleburg, out in Clay County, and the facts we have here are limited to location and the current snapshot date. Without a median price or inventory count in this feed, I won't guess at where values land — what I can tell you is that pricing in a community like this tends to be condition-driven, so the specific house matters more than the neighborhood average.
The honest posture for both sides: verify the live numbers before you commit to a strategy. A seller should not assume any particular price ceiling, and a buyer should not assume a floor. Bring the current data to the table and let the individual property, not a headline figure, set expectations.
The 60-Second Overview
Osceola is a Middleburg community in Clay County, positioned in the western reach of the Northeast Florida market where the trade-off is more land and distance in exchange for a quieter setting away from the coastal corridor.
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 Osceola is best for.
Best for
- Buyers prioritizing a quieter Clay County setting over proximity to the coast
- Those comfortable trading commute time for more room and a slower-paced location
- Buyers who will underwrite a purchase on live comparables and property condition
Probably not for
- Anyone needing a short daily commute to Jacksonville's urban core or the beaches
- Buyers who want walkable, high-density amenities at the doorstep
- Those expecting a fixed price range before touring the actual homes available
The market around Osceola
Osceola 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 Osceola specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Osceola, 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.
The Osceola buying strategy.
If we were buying in Osceola 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 Osceola.
The location and the amenities are priced into every listing in Osceola. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Middleburg is a market where the specifics of a single property drive the number, and the public snapshot rarely tells the whole story. We pull the live comparables, walk the condition honestly, and tell you when a listing is priced ahead of what it can support — or when it is the one worth moving on.
Osceola 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 Osceola 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 Osceola sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Osceola, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Osceola home worth?
Get a no-obligation home value based on real comparable sales in Osceola, 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 Osceola?
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 2002 (2 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.
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 Osceola 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.