White Oak Estates
Homes for Sale in Middleburg, FL

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.

realMLS (Northeast Florida) sales records identify 14 homes in White Oak Estates that have changed hands since 2017, built between 2016 and 2019 (median 2018), with a median living area of about 3,250 sq ft and a typical 4-bedroom, 2.5-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

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.

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

In ZIP 32068, 461 homes are on the market and 28% are under contract — a steady corner of Middleburg.

Across Clay County, 1,290 homes are active and 439 pending (25% under contract).

In ZIP 32068 (Middleburg), 1,340 homes closed in the last 12 months at a median of $315K ($183/sq ft), up 2.0% year over year, with a median 45 days on market. Right now 262 active and 116 pending listings put supply at about 5.1 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.

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

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.

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.

Listings in this community report association dues of about $130 per month ($1,560 a year) — the median AssociationFee across 19 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.