Pine Knoll
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · via realMLS
Pine Knoll sits in Middleburg, out in the western reach of Clay County, and the market here reads the way most Middleburg communities do: pricing tracks condition, lot, and how a home shows more than any headline number. Without a current stack of active listings to point to, the honest move is to treat each home on its own merits rather than assume a neighborhood premium.
For a buyer, that means underwriting the specific house — its updates, its systems, its acreage — not a comp shorthand. For a seller, it means presentation does real work here; a property that photographs and inspects clean is what separates a quick contract from a listing that sits.
The setting & the homes.
Aerial and on-site photos of Pine Knoll. Swipe to explore the community.
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Pine Knoll
Pine Knoll
Pine Knoll
Pine KnollPhotos from realMLS listings in Pine Knoll; content deemed reliable but not guaranteed.
Who Pine Knoll is best for.
Best for
- Buyers prioritizing lot size and a rural-leaning setting over commute time
- Buyers willing to underwrite a specific home on condition rather than a neighborhood shorthand
- Buyers comfortable trading distance for a quieter Clay County pace
Probably not for
- Buyers who need a short daily commute into central Jacksonville
- Buyers wanting a dense, walkable, amenity-rich setting
- Buyers who want a turnkey guarantee without vetting the individual property
The market around Pine Knoll
Pine Knoll is a small community — 2 recorded sales on file, most recently in 2020 — too few for its own price trend. Here is the market around it.
In ZIP 32068, 330 homes are on the market and 28% are under contract — a steady corner of Middleburg.
Across Clay County, 725 homes are active and 300 pending (29% under contract).
Homes here are manufactured home.
ZIP and county figures describe the wider market, not Pine Knoll specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Pine Knoll
Live MLS inventory for Pine Knoll. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Pine Knoll listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
The Pine Knoll buying strategy.
If we were buying in Pine Knoll 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 Pine Knoll.
Reading Middleburg on its own terms
Middleburg is a longer commute play than the county's northern edge, and that trade — distance for space and a calmer pace — is the core of the decision here. Buyers who value elbow room and a rural-leaning setting generally find Clay County's western communities rewarding; buyers who need to be close to downtown Jacksonville daily should test the drive before falling for a floor plan.
Because we are working from a thin snapshot, we lean on process over assumption. We pull the live comps for Pine Knoll at the time you are ready, walk the specific home against them, and price or offer from what the current data actually shows rather than from a stale rule of thumb.
The location and the amenities are priced into every listing in Pine Knoll. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We are a Northeast Florida brokerage that works Clay County directly, and we would rather tell you Pine Knoll or the broader Middleburg area is wrong for your commute or your goals than sell you into a decision you regret. When you are ready to move, we build the analysis around the specific home and the live market — not a generic pitch.
Pine Knoll in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Pine Knoll 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 Pine Knoll sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine Knoll, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pine Knoll home worth?
Get a no-obligation home value based on real comparable sales in Pine Knoll, 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 Pine Knoll on the map →
Should you buy in Pine Knoll?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2006 (8 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.
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.