$497,000
4055 BLACKBIRD Lane, Middleburg, FL 32068
Two Creeks
- Price
- $497,000
- Beds / Baths
- 5 / 5
- Living area
- 3,806 sqft
- Year built
- 2014
- Type
- Residential
- Lot
- 0.26 ac
- Garage
- 3
- HOA
- $7/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 113
$131/sqft asking, vs a $181/sqft median across 1,361 closed sales in 32068 over the last 12 months — 28% below the area's closed prices. This short sale is priced below market pending lender approval, which creates pricing uncertainty and potential transaction delays.
''Short Sale'' subject to lender approval & terms. Looking for an inviting open-concept living space in the highly sought after Two Creeks community? This is the one for you! This spacious home features 5 bedrooms and 4.5 bathrooms with a layout designed for both comfort and functionality. As you enter the over 3,800 sq ft home, you're welcomed by an expansive living area perfect for entertaining and a formal dining room . The beautifully designed kitchen opens seamlessly to an additional living room, creating the ideal gathering space for all. Downstairs, you'll find a private guest suite complete with its own full bathroom, perfect for visitors or multi-generational living. Upstairs, a stunning staircase leads to an open flex space that can be used as a media room, office, or play area, along with additional bedrooms including the spacious primary suite complete with a custom closet system, large soaking tub and separate shower. When you are led to your backyard you will enter through your screened lanai overlooking the pond, which offers a wonderful outdoor space to relax. Let's make this Clay County home exactly what your lifestyle has been asking for and enjoy all the amenities Two Creek has to offer!
What to check on this one
- Confirm actual flood zone with FEMA map—listing shows 'unknown'.
- Obtain CDD bond payoff amount and verify annual assessment obligations.
- Request 4-point inspection; home is 12 years old, approaching insurer thresholds.
- Verify short-sale lender approval timeline and any contingency terms upfront.
- Confirm Two Creeks HOA docs, deed restrictions, and $7/mo fee accuracy.
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 $397,600 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 EXIT INSPIRED REAL ESTATE. Data via realMLS (Northeast Florida MLS), updated Aug 14, 2026, 3:56 PM.
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