Rain Tree Acres
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of EAGLES WORLD REALTY, INC · via realMLS
As of September 2026, the MLS records 6 closed sales in Rain Tree Acres in Middleburg, FL since 2005, the most recent in February 2026. 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).
Rain Tree Acres is a small pocket in Middleburg — just 45 homes — with a build range that spans 1960 to 2019 and a median year built of 1997. That six-decade spread is the story here: two houses on the same street can be worlds apart in systems, layout, and updates. Price in this community is driven far more by condition and how much work a given home has had than by any neighborhood-wide floor or ceiling.
With only 45 homes, this is a thin market. Individual listings move the picture, so both sides should anchor to the specific house rather than to averages. For sellers, that means condition and presentation carry the pricing conversation; for buyers, it means underwriting each home on its own merits — roof, HVAC, and updates — instead of assuming a comp down the block applies.
The 60-Second Overview
A compact Clay County enclave in Middleburg where homes cluster around a median of roughly 1,620 living square feet, with a housing stock old enough and new enough that condition is the real variable.
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 Rain Tree Acres. Swipe to explore the community.
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Rain Tree AcresPhotos from realMLS listings in Rain Tree Acres; content deemed reliable but not guaranteed.
Who Rain Tree Acres is best for.
Best for
- Buyers targeting a mid-1,600-sqft home in Clay County who will inspect systems carefully before committing
- Long-hold owners who value a small, stable enclave over a high-turnover neighborhood
- Renovation-minded buyers comfortable pricing in updates on an older home to capture value
Probably not for
- Buyers who need a wide, always-available slate of listings to choose from
- Anyone expecting uniform, newer construction rather than a mix spanning 1960 to 2019
- Buyers unwilling to underwrite a home individually and needing broad comps to feel confident
The market around Rain Tree Acres
Rain Tree Acres 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 Rain Tree Acres specifically. Momentum Research analysis of MLS records.
The Rain Tree Acres buying strategy.
If we were buying in Rain Tree Acres 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 Rain Tree Acres.
A wide-vintage pocket where condition sets the price
The median home here dates to 1997 and runs about 1,620 living square feet, but the 1960-to-2019 build range means you should expect meaningful differences from house to house. Older homes may bring larger lots and mature landscaping alongside dated systems; newer builds trade some of that character for updated construction. Neither is inherently better — but they price differently, and you have to read each one closely.
Owner-occupancy sits just above 60% of homes here, which points to a stock that is largely held rather than churned. In a 45-home community, that tends to keep inventory tight, so serious buyers should be ready to act on the right house and shouldn't count on a steady stream of options.
The location and the amenities are priced into every listing in Rain Tree Acres. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this small, generic comps don't cut it. We underwrite each Rain Tree Acres home on its own condition and vintage, tell you plainly where the value and the risk sit, and price against what's actually comparable rather than a broad average. When there's only a handful of homes trading, that discipline is the difference between a fair deal and a guess.
Rain Tree Acres 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 Rain Tree Acres 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 Rain Tree Acres sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Rain Tree Acres, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Rain Tree Acres home worth?
Get a no-obligation home value based on real comparable sales in Rain Tree Acres, 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 Rain Tree Acres on the map →
Should you buy in Rain Tree Acres?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Rain Tree Acres 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 2005 (6 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 Rain Tree Acres 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.
Rain Tree Acres Market Scorecard
Rain Tree Acres 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.