Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$405,900

3979 GAREYS FERRY Way, Middleburg, FL 32068, Middleburg, FL 32068

Jennings Farm

Price
$405,900
Beds / Baths
3 / 2
Living area
1,693 sqft
Year built
2024
Type
Residential
Lot
0.138 ac
Garage
2
HOA
$110/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
579
Elementary
Middleburg
Middle
Lake Asbury
High school
Middleburg

$240/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 33% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Move-in ready! The St. Martin is a standout floor plan at Jennings Farm, offering an exceptional living experience with its thoughtfully designed 3-bedroom, 2-bathroom layout. As you enter, you'll be welcomed by a seamless open-concept area that gracefully integrates the dining room, upgraded kitchen, and family room, ideal for both daily living and entertaining. The luxurious master suite serves as a serene retreat, featuring a spacious walk-in closet and a master bathroom with double sink countertops and a walk-in shower. Don't miss the chance to make this extraordinary residence your forever home.

What to check on this one

  • Verify HOA $110/mo covers what services and confirm no special assessments pending
  • Confirm builder warranty coverage details and transferability to new owner
  • Review homeowners insurance quotes—new construction should be insurable at standard rates
  • Verify all builder upgrades listed are actually included; confirm final walkthrough checklist
  • Check that all appliances, HVAC, and systems have valid manufacturer warranties in place

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,106/mo
Property tax (1.1% eff., Clay Co.)$372/mo
Homeowners insurance (est.)$292/mo
HOA$110/mo
All-in monthly (est.)$2,880/mo

Loan $324,720 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of LGI REALTY - FLORIDA, LLC. Data via realMLS (Northeast Florida MLS), updated Jul 2, 2026, 7:45 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.