Two Creeks
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Two Creeks is a 658-home community in Middleburg (Clay County) with a median price of $440,000, or about $167 per square foot on a median living area of 2,479 square feet — a larger-than-typical footprint. Right now price is being set by scarcity as much as by finish level: just 5 active listings against 33 closings in the tracked window puts months of supply at 1.9, which is why this reads as a seller-leaning market.
The trend line backs that up — prices are up 7.3% year-over-year and 159% since 2012, with homes moving in a median 41 days. About 64% of homes here carry a homestead exemption, meaning most owners have claimed the property as a primary residence rather than an investment. For a buyer, thin inventory and a quick pace mean coming prepared to move; for a seller, the current numbers are in your favor.
Two Creeks right now
🔴 Seller-leaning market. 1.9 months of supply and 38% of the inventory already under contract give sellers the pressure advantage.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 July 15, 2026. Confidence: Very High (8 active and pending listings, 33 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($440K) is up 4.1% from the prior 12 months ($422K) and up 159% since 2012.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 15. Confidence: High (33 and 24 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Two Creeks market snapshot (as of July 15, 2026): the median sale price is about $440K ($167 per sq ft over the trailing 12 months of closed sales), a median 41 days on market for closed sales, and 1.9 months of supply, a seller-leaning market. The trailing-12-month median is up 4% from the prior 12 months and up 159% since 2012, computed from record-level realMLS closed sales (33 closings in the current window).
Two Creeks is a community of 658 homes in Middleburg, Clay County, built between 1969 and 2021 (median 2013), with a median living area of about 2,479 square feet. 64% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Built mostly in the 2010s (median year built 2013, with homes dating from 1969 to 2021), Two Creeks is a gated, amenity-heavy community whose 658 homes carry a median living area of 2,479 square feet.
The setting & the homes.
Aerial and on-site photos of Two Creeks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Two CreeksPhotos from realMLS listings in Two Creeks; content deemed reliable but not guaranteed.
Who Two Creeks is best for.
Best for
- A buyer targeting a home near the $440,000 median who wants a gated community with a full amenity package (pool, clubhouse, fitness, tennis, pickleball).
- A seller with a well-maintained, move-in-ready home who wants to list into a seller-leaning market with a 41-day median pace.
- A buyer who has financing and decisions ready to go quickly, given only 5 active listings and 1.9 months of supply.
Probably not for
- A buyer who wants to compare a wide range of active listings before committing — there simply are not many on the market at once.
- A budget-driven buyer set on a number well under the $440,000 median, since that is the only price point this snapshot supports.
- A buyer who prioritizes a brand-new build — the community's median year built is 2013, with construction dating back to 1969.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($440K) IS the median in the snapshot above, and the move from 2025 ($422K) IS the +4.1% one-year change.
Windows contain 21 to 71 sales each (33 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Two Creeks Market Scorecard
Two Creeks is currently a seller's market. About 2.5 months of supply, a median asking price of $535,000, and homes go under contract in about 57 days.
Typical home value in the 32068 ZIP is $327,915, about 20.3% 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.
Homes For Sale Right Now in Two Creeks
Live MLS inventory for Two Creeks. 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 · 82 daysTop listing
Active · 104 days
Active · 64 days
Active · 32 days
Active · 67 days
Pending · 82 days
Pending · 26 days
Pending · 134 daysActive and pending Two Creeks listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Two Creeks on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Two Creeks
- Pool · reported on 14 of 15 listings
- Clubhouse · reported on 13 of 15 listings
- Playground · reported on 12 of 15 listings
- Tennis Court(s) · reported on 10 of 15 listings
- Basketball Court · reported on 9 of 15 listings
- Fitness Center · reported on 9 of 15 listings
- Children's Pool · reported on 7 of 15 listings
- Park · reported on 5 of 15 listings
- Barbecue · reported on 4 of 15 listings
- Gated · reported on 4 of 15 listings
- Security Gate · reported on 4 of 15 listings
- Jogging Path · reported on 3 of 15 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Two Creeks are close: the nearest parks is about 2 minutes away.
- Foxmeadow Recreational Park · Parks2 min
- Kroger · Groceries8 min
- Verde Vida Healthy Kitchen · Dining8 min
- Ascension St Vincent's Clay County · Health8 min
- Royal Moose Coffee Company · Coffee8 min
- Discovery Landing · Shopping13 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Tynes Elementary (Clay)FLDOE grade B · Public PreK-6
- Wilkinson Junior High (Clay)FLDOE grade A · Public 7-8
- Middleburg High School (Clay)FLDOE grade A · Public 9-12
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 Two Creeks address.
Recent Developments in Two Creeks
Development, infrastructure, retail, and school activity affecting Two Creeks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
- June 2026Development
Hyland Trail breaks ground on Lodge Amenity Center in southern Clay County
GreenPointe Holdings held a groundbreaking for the Lodge Amenity Center at Hyland Trail, a community near the newly opened stretch of the First Coast Expressway in the Lake Asbury area of Clay County. The center is planned with a beach-entry pool and splash zone, an exercise facility, pickleball courts, and multi-use pathways, with completion slated for 2026. Hyland Trail and adjacent GreenPointe neighborhoods are set to add more than 3,000 homes, with Dream Finders and Pulte offering single-family homes from the $300s and a Lennar active-adult section called Edenbrooke.
What it may mean for the marketA large amenity-anchored buildout opening nearby may broaden the range of new-construction options buyers compare against an established community like Two Creeks.
Source: News4Jax - December 2025Development
Planned 4,000-home Agricola master-planned community seeks permits in Clay County
Fort Lauderdale-based BTI Partners is advancing a master-planned community on the roughly 3,145-acre Agricola property in Green Cove Springs off U.S. 17, which it bought for $93 million. The plan calls for about 4,000 residential units, including 2,170 single-family homes, 370 townhomes, and 1,460 multifamily units, plus schools and trails. The St. Johns River Water Management District began reviewing an environmental resource permit after the county approved rezoning in October.
What it may mean for the marketA development of this scale could add substantial housing supply and supporting infrastructure to the broader Clay County corridor over time.
Source: Jacksonville Daily Record - November 2025Retail & Dining
Clay Town Center in Middleburg signs and opens eight new tenants
Paradigm Partners reported leasing progress at Clay Town Center, an 18,500 square foot mixed-use retail and restaurant development in Middleburg. Mattress Warehouse, MedPlus Pharmacy, Domino's Pizza, and Wingstop opened earlier in the year, while Anejo Cocina Mexicana and Verde Vida Healthy Kitchen debuted that month, with Sizzling Nails and Firehouse Subs expected to follow. The center is projected to create more than 100 local jobs.
What it may mean for the marketA maturing retail and dining cluster in Middleburg may add everyday conveniences within reach of area neighborhoods like Two Creeks.
Source: Shopping Center Business - September 2025Builder Activity
Century Communities buys land for 170-home Asbury Creek near Middleburg
Century Communities closed on a land deal off Henley Road in Green Cove Springs for a new single-family community called Asbury Creek, planned for 170 homesites. Sales are anticipated to begin in mid-2026, and the community is planned with no CDD fees along with amenities including a pavilion, playground, and multi-use field. The builder cited access to downtown Jacksonville via the completed First Coast Expressway.
What it may mean for the marketA no-CDD builder community nearby may give buyers an additional comparison point on monthly carrying costs.
Source: PR Newswire - August 2025Infrastructure
First Coast Expressway opens 18-mile Clay County stretch ahead of schedule
An 18-mile segment of the First Coast Expressway, State Road 23, opened in Clay County running from State Road 21 to U.S. 17 in Green Cove Springs, well ahead of a previously projected spring 2026 completion. FDOT noted tolls would not begin until September 15, allowing a free trial period. The remaining link from Green Cove Springs to the Shands Bridge was reported as still under construction.
What it may mean for the marketImproved regional highway connectivity could affect commute times and accessibility for communities across the Clay County corridor including Two Creeks.
Source: News4Jax - January 2025Infrastructure
Clay County widening County Road 218 in Middleburg to four lanes
Clay County is reconstructing County Road 218 from Masters Road to Pine Tree Lane in Middleburg, converting the two-lane road into a four-lane urban roadway. The roughly $26.2 million project adds a median and turn lanes, curb and gutters, sidewalks, and bike lanes, with construction having begun in summer 2024. The work is part of the county's Bonded Transportation Program.
What it may mean for the marketWidening a key Middleburg corridor near Two Creeks could ease traffic flow, though active construction may create temporary disruptions.
Source: Clay County, FL
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 Two Creeks buying strategy.
If we were buying in Two Creeks 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Two Creeks.
Supply, pace, and what you get for $440K
With only 5 active listings and 1.9 months of supply, Two Creeks is tight by any measure — 33 closings moved through in the tracked window while inventory stayed thin, which is the mechanical reason the seller-leaning label applies. A median 41 days on market confirms that priced-right listings are not sitting long. Buyers should expect competition on well-presented homes; sellers should expect a receptive market, not a blank check.
The community's amenity package is unusually deep for its size: pool, children's pool, clubhouse, fitness center, playground, tennis courts, a basketball court, pickleball, a jogging path, a park, barbecue area, and gated/security-gate access with maintained grounds. That amenity density, paired with a median build year of 2013 and 2,479 square feet of median living space, is a meaningful part of what buyers are paying for at the $440,000 median — verify current amenities and access directly with the HOA, since offerings are reported across MLS listings and can change.
The location and the amenities are priced into every listing in Two Creeks. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Two Creeks buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (7.6). Basis: Long-Term Appreciation +159% since 2012; Recent Direction +4.1% year-over-year; Liquidity & Demand 1.9 months of supply; Owner Commitment 64% owner-occupied; Pricing Power 95.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Two Creeks moves fast and shows thin on the active side — 5 listings against a 1.9-month supply leaves little room for guesswork. We track this community's closings, pricing, and pace directly off the realmls feed so pricing and offer strategy are built on the current snapshot, not a stale estimate, whether you are trying to win a home in a 41-day market or price one to sell into it.
Two Creeks in 15 seconds.
HOA, CDD & Fees
- No CDD
- 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.
Page states no CDD.
Tools for a Two Creeks 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 Two Creeks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Two Creeks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Two Creeks home worth?
Get a no-obligation home value based on real comparable sales in Two Creeks, 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 Two Creeks on the map →
Frequently Asked Questions
What is the median home price in Two Creeks?
How long do homes in Two Creeks take to sell?
Is Two Creeks a buyer's or seller's market right now?
How many homes are in Two Creeks?
What share of Two Creeks is owner-occupied?
When were the homes in Two Creeks built?
Do cash buyers compete in Two Creeks?
Have Two Creeks home prices gone up?
What schools serve Two Creeks?
Who is the best real estate agent for Two Creeks?
How do I find a top Middleburg real estate agent who knows Two Creeks?
Can Momentum Realty connect me with an agent for Two Creeks?
Should you buy in Two Creeks?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Two Creeks with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (20 streets, ZIP 32003/32068)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2008 (792 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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