Summerleaf
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of ERA ONETEAM REALTY · via realMLS
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.
Summerleaf right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 17, 2026. Confidence: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 17, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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, 474 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,199 homes are active and 472 pending (28% under contract).
ZIP and county figures describe the wider market, not Summerleaf specifically. Momentum Research analysis of MLS records.
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 2026-08-17, 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.
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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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
- 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 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 homes for sale in Summerleaf on the map →
Frequently Asked Questions
Is Summerleaf a buyer's or seller's market right now?
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?
Should you buy in Summerleaf?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Summerleaf with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 17, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-14 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (80 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.
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See how Summerleaf fits the bigger picture — live prices, inventory, and Momentum Scores: