White Oak Estates in Middleburg

White Oak Estates
Homes for Sale in Middleburg, FL

Community in Middleburg · Clay County · ZIP 32068
38 homesBuilt 2016–2023
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Photo courtesy of COLDWELL BANKER VANGUARD REALTY · via realMLS

Built fromLive realMLS data9 years of closingsFL DOR public recordsUpdated twice daily
Live · White Oak Estates Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
100%
Under contract
Clay: 25% (459 of 1,863)
0 · 1
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
77%
Owner-occupied · White Oak Estates
30 of 39 parcels homesteaded (FL DOR 2025)
23%
Non-owner-occupied · White Oak Estates
incl. 0% trust or LLC-held · 0% out-of-state
38
Homes in the community
plus 1 vacant residential lots · 39 residential parcels (FL DOR 2025)
Track record · 9 years of records
2016–2023
Years homes were built
median 2018 · county roll (FL DOR 2025)
5.3%/yr
Turnover rate
about 2 of 38 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 12, 2026

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.

The 60-Second Overview

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.

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.

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

The market around White Oak Estates

White Oak Estates is too small for its own price trend, so here is the market around it.

In ZIP 32068, 446 homes are on the market and 25% are under contract — a steady corner of Middleburg.

Across Clay County, 1,404 homes are active and 459 pending (25% under contract).

ZIP and county figures describe the wider market, not White Oak Estates specifically. Momentum Research analysis of MLS records.

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.

Active inventory in distress
0.0%
0 of 5 listings
Distress share trend — 0.0% now (2026-09-04 → 2026-10-22)

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 White Oak Estates

Live MLS inventory for White Oak Estates. 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 White Oak Estates listings as of 2026-10-21, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

If we were buying in White Oak Estates today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers who value a quiet, residential Middleburg setting over a fast-moving market.
Biggest Risk
Thin recent sales data makes pricing harder to anchor for both sides.
Sweet Spot
A well-presented individual home priced on its own merits, not on assumed neighborhood momentum.
Avoid If
You need frequent comparable sales and a liquid, data-rich market to feel confident.

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.

Jon Brooks · Founder, Momentum Realty

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.

Best forBuyers who value a quiet, residential Middleburg setting over a fast-moving market.
Biggest advantageLow turnover means less competition when the right home does list.
Biggest riskThin recent sales data makes pricing harder to anchor for both sides.
Sweet spotA well-presented individual home priced on its own merits, not on assumed neighborhood momentum.
Avoid ifYou need frequent comparable sales and a liquid, data-rich market to feel confident.
The takeaway

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.

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Frequently Asked Questions

How many homes are in White Oak Estates?
The Florida DOR 2025 assessment roll shows 38 homes plus 1 vacant residential lots in White Oak Estates (public records).
What share of White Oak Estates is owner-occupied?
77% of White Oak Estates parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in White Oak Estates built?
Homes in White Oak Estates were built between 2016 and 2023, with a median year built of 2018.0 (FL DOR 2025 roll).
Who is the best real estate agent for White Oak Estates?
The best agent for White Oak Estates is one who actively works Middleburg and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for White Oak Estates.
How do I find a top Middleburg real estate agent who knows White Oak Estates?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows White Oak Estates and the wider Middleburg area.
Can Momentum Realty connect me with an agent for White Oak Estates?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your White Oak Estates purchase or sale - no call center and no pressure.
Buyers seeking a residential Clay County location and comfortable doing hands-on due diligenceExcellent fit
Long-hold buyers who aren't in a hurry and can wait for the right listingExcellent fit
Sellers willing to price from their home's specific condition and features rather than a neighborhood averageExcellent fit
Buyers who need a steady stream of recent comps to justify an offerProbably not
Investors chasing quick turnover or high transaction volumeProbably not
Sellers expecting a fast sale driven by active neighborhood demandProbably not

Nearby Communities

Explore more neighborhoods near White Oak Estates with Momentum Realty’s local guides.

DLDoctors Landing0.1 mi away · median $410K, 6 sales/12 moPMParadise Moorings0.2 mi away · median $660K, 3 sales/12 moSouthlake0.3 mi away · 20 homes, built 1985–93

Browse all neighborhood guides →

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: October 21, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 32068))
Under-contract sharesrealMLS records, as of 2026-10-20
Historical depthClosed-sale records back to 2017 (19 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 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.

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CallFree valuation →
Thinking of selling in White Oak Estates? 2 recorded closings (window ending 2026-10-23). See the Clay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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