The
Retreat Homes for Sale in Middleburg, FL

Established single-family resale homes · Middleburg · ZIP 32068

An established single-family subdivision off County Road 218 in Middleburg, Clay County, built starting in 2006, for resale buyers who want an HOA-governed neighborhood with a playground and nature trail rather than a builder community.

Established resaleMiddleburg, Clay CountyZIP 32068

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a settled resale neighborhood rather than an active new-build community, so listing activity is typically modest and turns over gradually. Verify current inventory and condition of any specific home before you tour.

Free · No obligation

Unlock Off-Market Middleburg

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Live · Retreat Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)

Price

$319K ▼

Median sold · 12 mo

down 3.0% vs the prior 12 months

-3.0% ▼

1-yr price change

n = 9 and 15 sales in the two windows

$172/sf

Sold $/sqft · 12 mo

peak $172 in 2026

95.6%

Sale vs ask

+139%

T12M median vs 2012

from a $134K median in 2012

Tempo

44days

Median DOM · closed

11 days at the 2022 low

Sold · last 12 mo

10-yr average: about 16 a year

Ownership and context

59%

Owner-occupied · Retreat

149 of 252 parcels homesteaded (FL DOR 2025)

41%

Non-owner-occupied · Retreat

incl. 14% trust or LLC-held · 19% out-of-state

22%

Cash buyers · Retreat

2 of 9 sales, 12 mo ending July 2025

252

Homes in the community

252 residential parcels (FL DOR 2025)

Track record · 20 years of records

Est. 2006

Community established

homes built 2006-2017, median 2008 (FL DOR 2025)

Failed listings · 2026

peaked at 52 in 2007

1,772sqft

Median sold home size

12-mo windows, closed sales

3.6%/yr

Turnover rate

about 9 of 252 homes trade a year

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily

Jon's Current Read

"The Retreat is a mid-2000s single-family subdivision on the CR-218 corridor in Clay County, built out with a homeowners association and a modest amenity set of a playground and a nature trail rather than a resort-style package. Because it carries an active HOA, buyers get more consistency in exterior upkeep than an unrestricted older subdivision, but dues are a real cost to budget. The bigger context is the same one that supports most west Clay County resale housing: steady county population growth keeps demand for this kind of moderately priced, already-built neighborhood."

Jon Brooks, founder, Momentum Realty · Updated June 2026

Retreat Housing Pulse · Momentum Research · as of July 11, 2026

Retreat right now

🟡 Off the recent peak. The trailing-12-month median ($319K) is down 3.0% from the prior 12 months ($329K) and up 139% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 11. Confidence: Medium (9 and 15 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

Updated July 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

The Retreat is an established single-family subdivision in Middleburg, in Clay County, off County Road 218, with homes dating back to 2006 and continued construction in the years since. It is governed by a homeowners association, the Retreat homeowners association, managed by a third-party property management company.

Because this is a resale market rather than a builder market, the homes available at any given time reflect individual owners' decisions to sell, not a phased release schedule. Public listing aggregators put the size range at roughly 1,550 to 2,552 square feet, so condition and updates vary from one listing to the next even though the community is younger than many nearby Middleburg subdivisions. Your leverage as a buyer is comparing specific homes on their own condition and updates, not comparing builder plans.

The bigger picture is location. Middleburg sits on the west side of Clay County, one of the faster-growing counties in Northeast Florida over the past decade, which has supported steady demand for established, moderately priced housing stock like The Retreat. That growth is also the main thing to watch on infrastructure and schools as the county continues to add residents.

Quick Match

Who Middleburg is best for.

Best for

Buyers who want an established, already-landscaped resale home rather than new construction
Buyers who want the predictability of an HOA-enforced exterior maintenance standard
Buyers who value a simple community playground and nature trail over a resort-style amenity package

Probably not for

Buyers who want a brand-new home with a builder warranty
Buyers who want a pool, clubhouse, or golf amenity on site
Buyers who want to avoid HOA dues and rules entirely

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending July 11 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($319K) IS the median in the snapshot above, and the move from 2025 ($329K) IS the -3.0% one-year change.

Windows contain 8 to 27 sales each (9 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo

Down 3.0% year over year; up 139% since 2012.

Every sale since 2006 · price vs size

345 closed sales; green = recent. Size sets the floor, condition and lot set the rest.

Sold $ per sq ft · trailing 12 mo

Up from $67 in 2012 to a $172 peak in 2026; $172 now.

Median days on market · closed sales

11 days at the 2022 low; 44 now.

Sale price vs original ask · median

95.6% now.

Homes sold per 12-mo window

8 to 27 a year; 9 in the current window.

Sellers who gave up · failed listings per year

Canceled, expired, or withdrawn. 52 quit in 2007; 2 so far in 2026. The clearest stress gauge a community has.

Market Heat · 0 coldest, 100 hottest in the record

85 at the 2022 peak, 13 in the troughs, 23 now. Same score as the hero card, full history.

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.

$1,806/mo

Clay County typical true cost to own

$99/mo

Clay County typical home insurance

Check CDD

Confirm 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.

How much local inventory is already under contract

29% of homes for sale in ZIP 32068 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-10).

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in The Retreat buys, holds, and resells. See the five factors.

Interactive Map

Middleburg on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Middleburg. They are approximate and vary with traffic and your exact start point.

Downtown Jacksonville30 to 35 min · approximate

NAS Jacksonville20 to 25 min · approximate

Orange Park shopping and dining corridor15 to 20 min · approximate

Green Cove Springs, the Clay County seat15 to 20 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near TheRetreat Homes for Sale in Middleburg, FL with Momentum Realty’s local guides.

GHGreenwoodEstates Homes for Sale in Middleburg, FLMiddleburg, FL · 1.2 mi WHWoodbridge Homes for Sale in Middleburg, FLMiddleburg, FL · 1.2 mi

Black CreekShores Homes for Sale in Middleburg, FLMiddleburg, FL · 1.7 mi

Asbury Plantation Homes for Sale in Green Cove Springs, FLGreen Cove Springs, FL · 2.7 mi

Baxley Villas in Middleburg, FLMiddleburg, FL · 3.0 mi AHArava Homes for Sale in Green Cove Springs, FLGreen Cove Springs, FL · 3.3 mi

BaxleyHideaway Homes for Sale in Middleburg, FLMiddleburg, FL · 3.3 mi PRPine Ridge Plantation Homes for Sale in Middleburg, FLMiddleburg, FL · 3.5 mi

QuailsHollar Homes for Sale in Middleburg, FLMiddleburg, FL · 3.6 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Middleburg (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Clay County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Middleburg is served by Clay County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

High

Middleburg High School (Clay County District Schools, verify by address)

Middle

Wilkinson Junior High School (verify by address)

Elementary

J.L. Wilkinson Elementary School (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Middleburg address.

The takeaway

The story here is steady county growth around an already-established, HOA-governed neighborhood. Clay County has been one of Northeast Florida's faster-growing counties over the past decade, and that growth has continued to support demand for moderately priced, already-built housing stock in Middleburg.

Recent Developments in The Retreat

Development Intelligence

Our read on what is being built around Middleburg, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet positive for long-term demand, tempered by the reality that carrying costs include HOA dues and Florida insurance remains a real, ongoing line item.

Clay County population growth

2010 to 2026

BullishNotable impact

SignificanceRadius: County

Clay County's population has grown roughly a quarter since 2010 and continues to add residents, which supports sustained demand for established, moderately priced neighborhoods like The Retreat.

Florida homeowners insurance costs

2026

NeutralNotable impact

SignificanceRadius: Region

Florida homeowners insurance remains a real, ongoing line item statewide. Roof age and system updates can move a premium meaningfully, so get a bindable quote on the specific home before you commit.

Established resale market conditions

2026

NeutralMinor impact

SignificanceRadius: Community

As a settled, HOA-governed subdivision rather than an active builder community, The Retreat does not have a phased release schedule, so inventory and pricing reflect individual owners' decisions to sell. Compare current listings directly rather than relying on past figures.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting The Retreat, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

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 Strategy

The Middleburg buying strategy.

If we were buying in Middleburg, this is the order of operations we would run, and the one we run for our clients.

Get a full home inspection, since homes here range from 2006-era construction to more recent updates and condition varies between listings.

Get the current HOA dues amount, budget, and rules in writing from the management company before you make an offer.

Verify the exact zoned elementary, middle, and high school by the home's address with Clay County District Schools.

Get a bindable homeowners insurance quote for the specific home, factoring in roof age and any system updates.

Compare the specific home's updates and condition against a nearby established Middleburg community, such as The Ravines, before you make an offer.

The Quick Decision

Best Buy

A home with a documented, recent roof and system updates, since age varies across homes built from 2006 onward.

Biggest Risk

Assuming HOA dues and rules match a nearby subdivision instead of confirming this community's own figures.

Best Lot

Verify flood zone and drainage on the specific parcel with the Clay County Property Appraiser.

Smart Timing

Resale-driven. Inventory turns over gradually rather than in scheduled builder phases.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Type

Established single-family resale

Era

Homes date back to 2006, with continued construction in the years after

Size range

About 1,550 to 2,552 sq ft, per public listing aggregators

Bedrooms

Varies by home; verify per listing

Costs & Fees

HOA

Yes, the Retreat homeowners association; dues amount not published, confirm with the management company

CDD

None identified; confirm on the parcel tax record

Property use

Primarily owner-occupied primary residences, with some homes rented by individual owners

Amenities

Marketed

Playground and a neighborhood nature trail

Status

No pool or clubhouse identified in available records

Location

Town

Middleburg, Clay County

Downtown Jacksonville

About 30 to 35 min (approximate)

NAS Jacksonville

About 20 to 25 min (approximate)

Middleburg Homes For Sale

What your money buys in Middleburg.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Middleburg today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry

The smaller homes toward the lower end of the roughly 1,550 to 2,552 square foot range, generally the best candidates for a full inspection before you commit.

Lowest entry

The Core

Mid-size homes with a mix of original and updated features, where most of the resale activity tends to concentrate.

Most inventory

The Top

The largest or most recently updated homes in the subdivision, closer to the upper end of the reported square footage range.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry

The smaller homes toward the lower end of the roughly 1,550 to 2,552 square foot range, generally the best candidates for a full inspection before you commit.

The Core

Mid-size homes with a mix of original and updated features, where most of the resale activity tends to concentrate.

The Top

The largest or most recently updated homes in the subdivision, closer to the upper end of the reported square footage range.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Middleburg, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Middleburg is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Middleburg holds value.

Our read on the factors that protect resale here, and the one to manage.

Home age range2006 to present, mixed

HOA-enforced upkeepActive association

Renovation variabilityVerify per home

Carrying costsHOA dues apply; no CDD identified

Inspection importanceHigh priority

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Middleburg

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The value here is not a builder price sheet, it is knowing the specific home: its age, its updates, and its HOA terms.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.4C+ · Buy Score

Resale Strength6.3/10

Renovation Risk5.8/10

Location Efficiency6.4/10

Long-Term Defensibility6.3/10

Carrying Cost Advantage7.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Middleburg is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take

Homes span roughly two decades of construction, so condition and updates vary by listing.
An active HOA means a more consistent exterior standard than an unrestricted subdivision.
Ask about roof age, HVAC age, and any recent permits before you make an offer.
Verify flood zone and drainage on the specific parcel with the county.
A recent, documented renovation is a real differentiator in this market.

Because The Retreat was built out over roughly two decades rather than sold in a single builder phase, the durable difference between two homes here is condition and update history, not a shared floor plan. The active homeowners association enforces some exterior consistency across the subdivision, which is worth weighing against the added cost of dues. Treat roof age, HVAC age, and permit history as part of your purchase math, and confirm the HOA's current rules and budget before you buy.

The 15-Second Verdict

Middleburg in 15 seconds.

Best forBuyers who want an established, HOA-governed Middleburg neighborhood rather than new construction.

Biggest advantageAn active homeowners association plus a simple playground and nature trail amenity.

Biggest riskCondition varies since homes span 2006-era construction to recent updates, and HOA dues are a real added cost.

Sweet spotA well-maintained or recently updated home with documented roof and system age.

Avoid ifYou want a pool, clubhouse, or golf amenity, or you want to avoid HOA dues and rules.

HOA, CDD & Fees

15-Second Take

HOA yes; get the current dues amount, budget, and rules in writing.
No CDD was identified, but confirm it on the parcel's tax record.
Amenities identified are a playground and a nature trail; no pool or clubhouse.
Home condition varies since homes date from 2006 onward with different update histories.
Budget Florida homeowners insurance as a real cost; get a bindable quote on the specific home.

The Retreat has an active homeowners association. A current dues amount is not published here; confirm the exact figure, the budget, and the rules with the management company before you buy.

Confirm in writing, but HOA dues in a community like this generally fund upkeep of common areas and the shared playground and nature trail. No pool or clubhouse was identified.

There is no golf course or private club associated with this subdivision.

Run Your Numbers

Tools for a Middleburg buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxClay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Middleburg.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Middleburg

Thinking of selling a The Retreat home?

Selling an established resale home in Middleburg takes real local comps, not an automated estimate. We will show you the honest math against what is actually selling nearby.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Middleburg, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping The Ravines, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Middleburg home worth?

Get a no-obligation home value based on real comparable sales in Middleburg matched to your condition, lot, and view, 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 The Retreat on the map →

Real comps, not an automated estimate.

Median sale prices in The Retreat year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

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.

$1,806/mo

Clay County typical true cost to own

$99/mo

Clay County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.

Frequently Asked Questions

Is The Retreat a new-construction community?

No. It is an established single-family subdivision in Middleburg with homes dating back to 2006 and continued construction in the years after, rather than an active builder community today.

Who built The Retreat?

There is no current single builder actively selling in the subdivision. Homes were constructed starting in 2006 and in the years following, which is typical of a built-out mid-2000s Clay County community.

What do homes cost in The Retreat?

Pricing varies by home condition, size, and updates. Check current local listings for an accurate, up-to-date picture rather than relying on a general figure, since this is a resale market without a builder price sheet.

How big are the homes?

Public listing aggregators report a size range of about 1,550 to 2,552 square feet across the subdivision. Verify the exact size of any specific home before you make an offer.

Is there an HOA, and how much are the dues?

Yes, The Retreat has an active homeowners association managed by a third-party property management company. A current dues amount is not published here; confirm the exact figure and what it covers before you buy.

Is there a CDD bond on the taxes?

No Community Development District was identified for this subdivision, but CDD status is best confirmed on the specific parcel's tax record with the Clay County Property Appraiser before you rely on it.

What amenities does the community have?

The identified shared amenities are a playground and a neighborhood nature trail. No pool or clubhouse was identified in available records.

Is The Retreat gated or age-restricted?

There is no verified information that the subdivision is gated, and it is not marketed as age-restricted or 55 plus.

What schools serve the community?

It is in the Clay County District Schools system, zoned toward Middleburg High School at the high-school level. The exact zoned elementary and middle schools should be verified by the specific address with the district.

How is the commute to Jacksonville?

Downtown Jacksonville is roughly a 30 to 35 minute approximate drive, and NAS Jacksonville is roughly 20 to 25 minutes. Confirm exact drive times from the specific address before you rely on them.

Is the location improving?

Clay County has been one of the faster-growing counties in Northeast Florida over the past decade, which supports demand for established, moderately priced neighborhoods like this one, though infrastructure and schools keep pace gradually with that growth.

What is the biggest risk of buying here?

Condition variability and HOA terms. Homes here span roughly two decades of construction, so a full inspection matters, and you should confirm current HOA dues and rules rather than assuming them.

How should I evaluate a specific home here?

Focus on documented roof age, HVAC age, and any permitted updates or additions, since these vary between homes and drive both livability and resale value more than the subdivision name alone.

Should I get my own agent for a resale purchase here?

Yes. Your own agent can help you evaluate condition, compare true local comps, and negotiate based on the specific home's updates rather than a generic estimate.

How current is the data on this page?

Local facts here are sourced and periodically reviewed. Always confirm the exact price, condition, and availability of any specific home directly before you make an offer.

Who is the best real estate agent for The Retreat?

The best agent for The Retreat is one who actively works Middleburg and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for The Retreat.

How do I find a top Middleburg real estate agent who knows The Retreat?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows The Retreat and the wider Middleburg area.

Can Momentum Realty connect me with an agent for The Retreat?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your The Retreat purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Middleburg?

An honest fit check. We will tell you when it is not your community.

You want an established, already-built resale home rather than new construction.Excellent fit

You want the predictability of an HOA-enforced exterior maintenance standard.Excellent fit

You value a simple playground and nature trail over a resort-style amenity package.Excellent fit

You commute toward Jacksonville, NAS Jacksonville, or Orange Park.Excellent fit

You want a pool, clubhouse, or golf amenity on site.Probably not

You want to avoid HOA dues and rules entirely.Probably not

You are not prepared to budget for an older home's deferred maintenance.Probably not

You need a brand-new home with a builder warranty.Probably not

Get the inside read on Middleburg

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Middleburg home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Middleburg specialist will reach out personally, usually the same day.

Median sale price in The Retreat, Florida by year (2012 to 2026). Source: Momentum Realty.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

Community market stats	realMLS closed sales, 12-month windows ending July 11, 2026
Housing stock & ownership	Florida DOR 2025 assessment roll (street-list match (6 streets, ZIP 32043/32065/32068))
Under-contract shares	realMLS records, as of 2026-07-10
Schools	2025-26 district assignments + FLDOE school grades; verify with the district
Historical depth	Closed-sale records back to 2006 (345 transactions analyzed)

TheRetreat Homes for Sale in Middleburg, FL

Retreat right now

The 60-Second Overview

Who Middleburg is best for.

Best for

Probably not for

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Middleburg on the map.

How far is everything?

Nearby Communities

Schools

Middleburg High School (Clay County District Schools, verify by address)

Wilkinson Junior High School (verify by address)

J.L. Wilkinson Elementary School (verify by address)

Recent Developments in The Retreat

Clay County population growth

Florida homeowners insurance costs

Established resale market conditions

The Middleburg buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

What your money buys in Middleburg.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Middleburg holds value.

5 Mistakes Buyers Make in Middleburg

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Middleburg is different.

Which Lots & Views Hold Value Best

Middleburg in 15 seconds.

HOA, CDD & Fees

Tools for a Middleburg buy.

Thinking of selling a The Retreat home?

In Middleburg, condition and view decide your number

What is your Middleburg home worth?

The real cost & risk here

Frequently Asked Questions

Should you buy in Middleburg?

Get the inside read on Middleburg

You are all set.

Data sources & freshness

You just read the data. Now see what your home is worth.

The
Retreat Homes for Sale in Middleburg, FL