$215,000
2139 2143 CHARTER POINTE Way, Middleburg, FL 32068
Black Creek Harbor
- Price
- $215,000
- Beds / Baths
- 0 / 0
- Living area
- 0 sqft
- Year built
- 0
- Type
- Land
- Lot
- 2.69 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 165
Exceptional opportunity to own 2 adjoining waterfront lots on Black Creek. Located at 2139 & 2143 Charter Pointe Way, these combined lots total over 2.5 acres with more than 200 ft of frontage on Black Creek, providing direct access to a freshwater river that connects to the St. Johns River and ultimately the ocean. A newly constructed 14' x 16' dock has recently been added, providing immediate access to the water for boating, fishing, kayaking, and enjoying the natural beauty of this unique waterfront setting. An existing walkway also leads directly from the uplands to the waterfront, adding convenience and value to the property. Due to its location, the home must be elevated construction on pylons or columns and will require a no-rise study. Seller is the listing broker. Owner financing may be available with 50% down.
What to check on this one
- Verify flood zone designation and elevation certificate requirements for no-rise study.
- Confirm dock permitting status and any DEP/Army Corps wetland authorizations.
- Check Clay County zoning for allowable structures and setback requirements.
- Verify Black Creek access rights and any HOA/neighborhood dock-sharing rules.
- Obtain septic and well feasibility assessment for 2.69-acre parcel.
- Confirm owner-financing terms: rate, duration, down payment, and title hold.
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
Loan $172,000 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 NORTH FLORIDA REALTY ADVISORS. Data via realMLS (Northeast Florida MLS), updated Jul 20, 2026, 5:25 PM.
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