White Oak Estates
Homes for Sale in Middleburg, FL
All 343 homes for sale in Middleburg, FL · median $339,900 · 321 homes for sale in 32068 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of COLDWELL BANKER VANGUARD REALTY · via realMLS
Over the 12 months ending 2026-11-12, 3 recorded sales closed at a median of $575,000, $163 per square foot, a median 81 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 2017–2018; 3 of 3 report an HOA (median $130/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $8,660 ($8,060 with the full homestead exemption).
Last 30 days in White Oak Estates: 2 closed sales (median $539,995). As of November 12, 2026, realMLS.
White Oak Estates sits in Middleburg, in Clay County, and the honest starting point is that our current snapshot is thin: as of mid-2026 we have no closings inside the measured window here. That means price in this community is driven less by a steady comp stream and more by the specifics of whatever comes to market — lot, condition, and how a given home is presented.
For a buyer, that puts the burden on due diligence rather than on chasing a rolling average, because there isn't a fresh run of sales to anchor to. For a seller, it means pricing has to be built from the ground up on the merits of your individual home, not assumed from recent neighborhood activity. Neither side should treat this as a market you can read off a single number today.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside White Oak Estates right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
White Oak Estates market snapshot (as of November 12, 2026): the median sale price is about $575K ($163 per sq ft over the trailing 12 months of closed sales), and a median 81 days on market for closed sales.
In ZIP 32068 (Middleburg), 1,084 homes closed in the last 12 months at a median of $320K ($185/sq ft), up 2.0% year over year, with a median 45 days on market. Right now 277 active and 85 pending listings put supply at about 3.1 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.
White Oak Estates is a community of 38 homes in Middleburg, Clay County, built between 2016 and 2023 (median 2018.0), with a median living area of about 2,846 square feet. 77% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
White Oak Estates is a Middleburg community in Clay County; with no closings recorded in the current window, it reads as a low-turnover pocket where individual listings, rather than a busy comp set, tell the story.
The setting & the homes.
Aerial and on-site photos of White Oak Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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White Oak EstatesPhotos from realMLS listings in White Oak Estates; content deemed reliable but not guaranteed.
Who White Oak Estates is best for.
Best for
- Buyers seeking a residential Clay County location and comfortable doing hands-on due diligence
- Long-hold buyers who aren't in a hurry and can wait for the right listing
- Sellers willing to price from their home's specific condition and features rather than a neighborhood average
Probably not for
- Buyers who need a steady stream of recent comps to justify an offer
- Investors chasing quick turnover or high transaction volume
- Sellers expecting a fast sale driven by active neighborhood demand
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 12 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($575K) IS the median in the snapshot above.
Windows contain 0 to 6 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
22% 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 (2026-11-12).
White Oak Estates Market Scorecard
White Oak Estates is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
White Oak Estates 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 contributors.
Life at White Oak Estates
- Boat Dock · reported on 2 of 2 listings
- Gated · reported on 2 of 2 listings
- Security Gate · reported on 1 of 2 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The White Oak Estates buying strategy.
If we were buying in White Oak Estates 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 White Oak Estates.
Pricing a quiet market
The defining feature of White Oak Estates right now is the absence of recent recorded sales activity. In a community like this, value gets established one transaction at a time, so the condition and features of the specific home in front of you matter far more than any neighborhood-wide trend line.
Middleburg's location in Clay County keeps this a more residential, less transient setting than the denser parts of the metro. Buyers who want that should still plan to lean on hands-on analysis — recent nearby comparables, lot differences, and current condition — rather than expecting a deep local sales record to do the work for them.
The location and the amenities are priced into every listing in White Oak Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community shows no closings in the current window, a headline number won't guide you — the work is in building a defensible price from the individual home and the wider Clay County market. That's exactly the situation where a broker who knows Middleburg earns their keep, on both the buy and sell side.
White Oak Estates in 15 seconds.
Tools for a White Oak Estates 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 White Oak Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in White Oak Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your White Oak Estates home worth?
Get a no-obligation home value based on real comparable sales in White Oak Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in White Oak Estates
Homes in White Oak Estates 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. 3 on record.
- 1885 Silo Oaks Place · off market
- 1912 Silo Oaks Place · off market
- 1919 Silo Oaks Place · off market
| Location | Middleburg, Clay County, FL · ZIP 32068 |
|---|---|
| Amenities listed by sellers | Boat Dock, Gated, Security Gate |
| Sale prices, last 12 months | $575,000 median across 3 closed sales · $163 per sq ft |
| Days on market (closed sales) | 81 median |
| For sale right now | 0 active, 0 pending |
Data as of November 12, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “White Oak Estates key facts,” movewithmomentum.com/neighborhoods/white-oak-estates-middleburg, data as of November 12, 2026.
Housing distress & ownership in White Oak Estates, 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.
Recently sold in White Oak Estates Middleburg
- 1919 Silo Oaks Place · sold $590,000
- 1912 Silo Oaks Place · sold $489,990
- 1885 Silo Oaks Place · sold $575,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Middleburg home searches
- All homes for sale in Middleburg, FL
- Homes for sale in Clay County, FL
- Gated communities in Middleburg
- Middleburg home values: what is my house worth?
- ZIP 32068 housing scorecard
Middleburg guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Clay County)
- Homestead exemption (Clay County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Frequently Asked Questions
What is the median home price in White Oak Estates?
How long do homes in White Oak Estates take to sell?
How many homes are in White Oak Estates?
What share of White Oak Estates is owner-occupied?
When were the homes in White Oak Estates built?
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Where is White Oak Estates, and what county is it in?
How far is White Oak Estates from downtown Jacksonville and the beach?
Should you buy in White Oak Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 12, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending November 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32068)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2017 (20 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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