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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$349,950

2140 TOM THUMB Road, Middleburg, FL 32068, Middleburg, FL 32068

Black Creek Forest

Price
$349,950
Beds / Baths
3 / 2
Living area
1,757 sqft
Year built
1995
Type
Residential
Lot
5.27 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
99
Elementary
Middleburg
Middle
Wilkinson
High school
Middleburg

Over 5 acres approximately 1.5 ares cleared! Escape to peace and privacy with this charming 2 bedroom, 2 bathroom home nestled on 5 beautiful acres where wildlife and tranquility abound in the heart of historic Middleburg. There is a potential 3rd bedroom, all that is needed is a door! This property offers the perfect setting to relax and enjoy country living while still having the comforts of home. Recent updates include a new ROOF, new WINDOWS new WATER HEATER and new CARPET in the bedrooms, providing added value and comfort. A versatile bonus room/office with its own outside entrance offers endless possibilities for working from home, hobbies, or guest space. A beautiful wood burning stove adds to the ambience on those cool nights. Whether you're enjoying the quiet surroundings, watching deer and native wildlife roam, or simply soaking in the serenity, this property is a rare retreat you won't want to miss. Lot has road frontage on Hill Road, Woodmere Street, and Tom Thumb Court. Over 5 acres!

What to check on this one

  • Verify new roof installation date and warranty details with seller
  • Confirm septic system type, last pumped date, and service records
  • Request well water test results and maintenance history documentation
  • Check if 3rd bedroom conversion requires Clay County permit approval
  • Obtain property survey to confirm 5.27 acres and road frontage claims

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$1,816/mo
Property tax (1.1% eff., Clay Co.)$321/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,429/mo

Loan $279,960 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 WATSON REALTY CORP. Data via realMLS (Northeast Florida MLS), updated Aug 21, 2026, 11:27 AM.

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.