Summerleaf
Homes for Sale in Middleburg, FL
All 369 homes for sale in Middleburg, FL · median $350,000 · 330 homes for sale in 32068 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of ERA ONETEAM REALTY · via realMLS
As of October 2026, Summerleaf in Middleburg, FL has 1 home for sale. As of October 2026, the MLS records 81 closed sales in Summerleaf in Middleburg, FL since 2002, the most recent in September 2025. Recorded prices since 2024 ran from $216,250 to $266,000 (median $259,900), on homes of 1,210 to 1,397 sq ft. Across Middleburg as a whole, 602 homes closed in the last 12 months at a median of $315,000, 46 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 $3,910 ($3,320 with the full homestead exemption).
Summerleaf is a small pocket of 99 homes in Middleburg, and right now the market here is about as tight as it gets: zero active listings and just one closing in the tracked window. That is not a data gap, it is the story — when a community this size produces a single sale, every listing that does come up gets outsized attention from buyers who have been waiting for a shot at it.
For sellers, that scarcity is leverage, but it also means there is almost no recent comparable activity to lean on when setting a number — pricing has to be built from the ground up rather than pulled off a list of nearby closings. For buyers, the posture is patience: with nothing currently on the market, the move is to line up financing and be ready the moment something in Summerleaf's 1984-to-1999 built stock hits the MLS.
The 60-Second Overview
Summerleaf is a compact, established Middleburg community of 99 homes built between 1984 and 1999, with a median build year of 1994 — a settled pocket of Clay County housing stock rather than a new-construction subdivision.
realMLS (Northeast Florida) sales records identify 41 homes in Summerleaf that have changed hands since 2001, built between 1984 and 1998 (median 1994), with a median living area of about 1,313 sq ft and a typical 3-bedroom, 2-bath layout; 95% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 4 qualified sales in Summerleaf across 2024–2025 (1 in 2024, 3 in 2025), median $259,900 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Summerleaf. Swipe to explore the community.
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SummerleafPhotos from realMLS listings in Summerleaf; content deemed reliable but not guaranteed.
Who Summerleaf is best for.
Best for
- Buyers who want a settled, established home rather than new construction and are comfortable with a build era spanning 1984 to 1999.
- Buyers targeting a smaller, efficient floor plan near the community's 1,298-square-foot median rather than a larger executive-style home.
- Patient buyers who can wait for a listing to surface in a community that currently has no active inventory.
Probably not for
- Buyers who need to close on a specific timeline — with zero active listings, there is no guarantee a home becomes available when needed.
- Buyers who want amenity-driven living — no community amenities are identified from current MLS listings for Summerleaf.
- Buyers who want a large floor plan — the median living area here runs smaller, around 1,298 square feet.
The market around Summerleaf
Summerleaf is too small for its own price trend, so here is the market around it.
In ZIP 32068, 461 homes are on the market and 28% are under contract — a steady corner of Middleburg.
Across Clay County, 1,290 homes are active and 439 pending (25% under contract).
In ZIP 32068 (Middleburg), 1,340 homes closed in the last 12 months at a median of $315K ($183/sq ft), up 2.0% year over year, with a median 45 days on market. Right now 262 active and 116 pending listings put supply at about 5.1 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Summerleaf specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Summerleaf, 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.
Homes For Sale Right Now in Summerleaf
Live MLS inventory for Summerleaf. 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 Summerleaf listings as of 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Middleburg High School (Clay County District Schools, verify by address)FLDOE grade A · High
- Wilkinson Junior High School or your address-zoned middle school (verify by address) · Middle
- Middleburg Elementary School or your address-zoned elementary school (verify by address) · Elementary
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Summerleaf address.
Shop the zone: Homes zoned for Lakeside Middle School · Homes zoned for Fleming Island High School
The Summerleaf buying strategy.
If we were buying in Summerleaf 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 Summerleaf.
A small, settled pocket of Clay County housing stock
The 99 homes in Summerleaf were built across a fifteen-year span, from 1984 to 1999, with the typical home dating to 1994. That puts the community solidly in the "established" category — old enough that most homes have been through at least one round of updates, but not so old that the housing type reads as a distinct architectural era. The median living area is 1,298 square feet, which points to a community built around modest, efficient floor plans rather than larger executive-style homes.
Homestead exemptions are filed on 43.4% of homes in Summerleaf, meaning a majority of the housing stock is not claimed as a primary residence — a mix that can include second homes, rentals, or recent purchases that haven't yet filed. No community amenities are identified from current MLS listings, so this reads as a straightforward residential pocket rather than an amenity-driven community, and any pool, park, or shared-facility appeal would need to be verified on a home-by-home basis rather than assumed.
The location and the amenities are priced into every listing in Summerleaf. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With zero active listings and only one closing in the current window, Summerleaf is not a community you can shop by browsing the MLS — it is one you have to watch. Momentum tracks this kind of thin-inventory pocket closely enough to flag a new listing, a pre-market conversation, or a homestead status change the moment it happens, which matters far more here than in a community where dozens of comparable homes are always on the market.
Summerleaf 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 Summerleaf 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 Summerleaf sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Summerleaf, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Summerleaf home worth?
Get a no-obligation home value based on real comparable sales in Summerleaf, 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 →
Recently off market in Summerleaf
Homes in Summerleaf that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 1736 Ashwood Circle · off market
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.
28% 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 (2026-10-01).
Frequently Asked Questions
How many homes are in Summerleaf?
What share of Summerleaf is owner-occupied?
When were the homes in Summerleaf built?
What schools serve Summerleaf?
Who is the best real estate agent for Summerleaf?
How do I find a top Middleburg real estate agent who knows Summerleaf?
Can Momentum Realty connect me with an agent for Summerleaf?
Where is Summerleaf, and what county is it in?
How far is Summerleaf from downtown Jacksonville and the beach?
Should you buy in Summerleaf?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32068)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (81 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Summerleaf fits the bigger picture — live prices, inventory, and Momentum Scores:
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Ashwood Circle (32 homes on record)
Nearby Communities
Explore more neighborhoods near Summerleaf with Momentum Realty’s local guides.