$434,900
3957 GAREYS FERRY Way, Middleburg, FL 32068
Jennings Farm
- Price
- $434,900
- Beds / Baths
- 4 / 3
- Living area
- 2,085 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
- 105
- Elementary
- Middleburg
- Middle
- Lake Asbury
- High school
- Middleburg
Zero down. Closing costs fully paid. A rate buydown that hits different when you realize your mortgage could be less than your rent. The Tomoka delivers 4 bedrooms, 3 bathrooms, and 2,102 square feet of thoughtfully designed space -- generously sized closets in every bedroom, an upstairs loft perfect for a playroom or home office, and a covered patio made for year-round outdoor living. Every home at Jennings Farm includes quartz countertops, stainless steel appliances, recessed lighting, and smart-home technology. All included. Just move in. Gated community. $3 million amenity center. Pool. Pickleball. No CDD fees. Read that again. Zoned to A-rated schools. Right off HWY 21 for an easy commute to NAS Jax and downtown Jacksonville. Black Creek boat ramp around the corner. Jennings State Forest and Gold Head Branch State Park nearby. Built by LGI Homes -- nationally trusted, locally delivered. Ask about qualification requirements today.
What to check on this one
- Confirm flood zone designation with Clay County Property Appraiser; obtain elevation certificate if AE/VE
- Verify HOA $110/mo covers what; confirm no surprise assessments or upcoming special fees
- Request builder warranty details and smart-home tech documentation for coverage
- Confirm closing-cost and rate-buydown terms in writing; verify actual monthly payment vs. rent comparison
- Review HOA rental restrictions if considering short-term lease in future
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 $347,920 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 May 27, 2026, 10:28 PM.
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