Swimming Pen Creek
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of HERRON REAL ESTATE LLC · via realMLS
As of September 2026, the MLS records 12 closed sales in Swimming Pen Creek in Middleburg, FL since 2004, the most recent in July 2025. 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).
Price here is driven by condition and scope, not by any single template. With a build range stretching from 1940 to 2023 and a median build year around 1973, this is a market where two homes on comparable lots can trade very differently depending on whether the systems, roof, and interiors have been brought current. The median living area of roughly 2,392 square feet points to genuine house rather than starter footprints, which widens the spread further.
For sellers, that means presentation and documented updates carry real weight — a well-kept older home competes directly against newer construction on the same feed. For buyers, the posture is patient and selective: with only 56 homes in the picture, the right listing does not appear every week, so it pays to be pre-positioned and ready to move when condition and price line up.
The 60-Second Overview
Swimming Pen Creek is a small, established pocket of Middleburg in Clay County where the housing stock spans several eras rather than a single builder's vintage. The mix rewards buyers who can read a house on its merits, not its listing date.
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 Swimming Pen Creek. Swipe to explore the community.
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Swimming Pen Creek
Swimming Pen Creek
Swimming Pen CreekPhotos from realMLS listings in Swimming Pen Creek; content deemed reliable but not guaranteed.
Who Swimming Pen Creek is best for.
Best for
- Buyers targeting a larger home around the median size who are comfortable evaluating an older build's condition
- Long-hold owner-occupants who value a stable, established setting over rapid turnover
- Renovation-minded buyers willing to trade a dated interior for a lower entry against updated comps
Probably not for
- Buyers who need move-in-ready newer construction and a large pool of options to choose from
- Shoppers on a strict timeline who cannot wait for the right listing to appear in a 56-home market
- Investors seeking a high-turnover rental market, given the strong owner-occupied share
The market around Swimming Pen Creek
Swimming Pen Creek 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 Swimming Pen Creek specifically. Momentum Research analysis of MLS records.
Recent Developments in Swimming Pen Creek
Development, infrastructure, retail, and school activity affecting Swimming Pen Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- June 2026Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
What it may mean for the marketContinued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 11 miles northwest of Swimming Pen Creek.
Source: Jax Daily Record - June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 5 miles southwest of Swimming Pen Creek, elsewhere in Clay County.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 5 miles south of Swimming Pen Creek.
Source: Jax Daily Record - April 2026Development
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
What it may mean for the marketA build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 11 miles northwest of Swimming Pen Creek.
Source: Jax Daily Record
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 Swimming Pen Creek buying strategy.
If we were buying in Swimming Pen Creek 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 Swimming Pen Creek.
A wide-vintage market in a small footprint
The defining feature here is age spread. Homes date from as far back as 1940 through 2023, with the midpoint near 1973 — so the inventory is weighted toward mature homes with a thread of newer builds running through it. That produces meaningful variation in construction type, systems, and lot character across a set of just 56 homes. Median living space sits near 2,392 square feet, so these are substantial homes rather than compact ones, and the condition of that square footage is where value is made or lost.
The ownership pattern is notably settled: roughly 81% of homes carry a homestead exemption, which typically signals long-hold, owner-occupied inventory rather than a churn of rentals or flips. Practically, that tends to mean fewer listings at any given moment and homes that have been lived in and maintained on an owner's timeline — a plus for stability, a constraint for buyers who need selection right now.
The location and the amenities are priced into every listing in Swimming Pen Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small, wide-vintage market, the work is in the details: separating a genuinely updated home from a cosmetically freshened one, pricing an older home against newer competition, and being ready when the right listing surfaces. We know this Clay County pocket, we read condition honestly, and we will tell you plainly when a specific house — or the community itself — is not the right fit.
Swimming Pen Creek 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 Swimming Pen Creek 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 Swimming Pen Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Swimming Pen Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Swimming Pen Creek home worth?
Get a no-obligation home value based on real comparable sales in Swimming Pen Creek, 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 Swimming Pen Creek on the map →
Should you buy in Swimming Pen Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Swimming Pen Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-30 |
| Historical depth | Closed-sale records back to 2004 (12 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.
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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.
Swimming Pen Creek Market Scorecard
Swimming Pen Creek 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.