Sherwood Lakes
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Sherwood Lakes is a compact pocket of 82 homes in Middleburg, built out in a tight window between 1987 and 1994, with a median year built of 1988. That means most of the housing stock here is approaching four decades old, and at this age, condition and the extent of updates - roof, HVAC, kitchens - do more to separate one listing from the next than the neighborhood itself does. Current MLS listings show no confirmed community amenities, so buyers here are paying for the house and the lot, not a clubhouse or pool assessment.
Roughly 69.5% of homes carry a homestead exemption, which tells us the majority of owners here treat the property as a primary residence rather than a rental or investment hold - a sign of a settled, owner-occupied pocket rather than a churn-heavy one. With median living space around 1,242 square feet, this is a modest, starter- or downsizer-scaled floor plan rather than a move-up product. We do not have current closing data for this snapshot, so we are reading the community through its housing stock and ownership pattern rather than recent sale prices.
The 60-Second Overview
Built entirely within a seven-year span from 1987 to 1994, Sherwood Lakes reads as a single-era subdivision in Middleburg rather than a phased build-out, which keeps the homes fairly consistent in scale even where finishes and updates differ.
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 Sherwood Lakes is best for.
Best for
- Buyers prioritizing a modest, owner-occupied Middleburg neighborhood over amenity packages
- Buyers comfortable evaluating a home built between 1987 and 1994 for system and roof condition before purchase
- Buyers seeking a smaller-footprint home near 1,242 sq ft rather than large new construction
Probably not for
- Buyers who want HOA-run amenities such as a pool or clubhouse included
- Buyers who need move-in-ready systems without budgeting for potential roof or HVAC replacement on an unrenovated home
- Buyers seeking larger, move-up square footage beyond a modest starter-scaled floor plan
The market around Sherwood Lakes
Sherwood Lakes is too small for its own price trend, so here is the market around it.
In ZIP 32068, 458 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,266 homes are active and 447 pending (26% under contract).
ZIP and county figures describe the wider market, not Sherwood Lakes specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Sherwood Lakes, 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 Sherwood Lakes buying strategy.
If we were buying in Sherwood Lakes 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 Sherwood Lakes.
Age and Ownership, Not Amenities
The numbers here point to a neighborhood defined by its age band and its ownership base rather than by shared recreational amenities. With a year-built range of 1987 to 1994 and a median year built of 1988, Sherwood Lakes is now nearing the four-decade mark. At that age, mechanical systems and roofs on unrenovated homes are typically due or overdue for replacement, and that gap between updated and original-condition homes is usually the biggest swing factor in value within a pocket like this.
Current MLS listings do not identify any community amenities for Sherwood Lakes, so this is not an HOA-amenity community in the way many newer Clay County subdivisions are. What it does have is a high concentration of owner-occupancy - about 69.5% of homes carry a homestead exemption - which typically means fewer investor-owned rentals cycling through and more owners with reason to maintain the property over time. Median living space of 1,242 square feet keeps the housing stock in a modest-footprint category, useful context for anyone comparing it to larger new construction elsewhere in Middleburg.
The location and the amenities are priced into every listing in Sherwood Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small, single-era pocket like Sherwood Lakes, the difference between homes comes down to what has been updated and what has not, and that is not always obvious from photos alone. Momentum works Clay County inventory closely enough to help buyers weigh a 1988-built home that has been fully renovated against one still on original systems, and to help sellers here position condition and updates clearly against a limited pool of only 82 comparable homes.
Sherwood Lakes 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 Sherwood Lakes 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 Sherwood Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sherwood Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sherwood Lakes home worth?
Get a no-obligation home value based on real comparable sales in Sherwood Lakes, 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 Sherwood Lakes on the map →
Should you buy in Sherwood Lakes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-05 |
| Historical depth | Closed-sale records back to 2001 (93 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 Sherwood Lakes 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.