$403,900
3949 GAREYS FERRY Way, Middleburg, FL 32068
Jennings Farm
- Price
- $403,900
- Beds / Baths
- 3 / 2
- Living area
- 1,693 sqft
- Year built
- 2024
- Type
- Residential
- Lot
- 0.14 ac
- Garage
- 2
- HOA
- $110/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 44
- Elementary
- Middleburg
- Middle
- Lake Asbury
- High school
- Middleburg
Some people drive an hour for the life Middleburg offers for free. Black Creek is around the corner. Jennings State Forest and Gold Head Branch State Park are practically in your backyard. This is where weekends actually feel like weekends. Zero down. Closing costs fully paid. A rate buydown built for this market. For qualified buyers, brand-new homeownership here costs less than most people's rent. LGI Homes -- trusted nationwide, built to last -- delivers their St. Martin floor plan here with 3 bedrooms, 2 bathrooms, 1,693 square feet, and an open-concept layout with upgraded finishes throughout. Community pool, pickleball, and playground included. Fleming High School across the street. New expressway makes NAS Jax and downtown an easy commute. No CDD fees. Ask about current incentives and qualification requirements.
What to check on this one
- Verify exact flood zone designation with FEMA map; request elevation certificate if AE/VE.
- Confirm HOA $110/mo covers what; review CC&Rs for rental restrictions and reserve study.
- Request builder warranty details and homeowner insurance quote (new construction, 2024).
- Inspect all appliances, HVAC, and roof workmanship; document any punch-list items before closing.
- Confirm zero-down/closing-cost incentives in writing; verify builder rate-buydown terms and lock period.
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 $323,120 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 MOMENTUM REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 13, 2026, 10:01 PM.
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