$459,900
4294 BANKS Road, Middleburg, FL 32068
**verifying Subd**
- Price
- $459,900
- Beds / Baths
- 3 / 2
- Living area
- 1,440 sqft
- Year built
- 2024
- Type
- Residential
- Lot
- 0.739 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 91
$319/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 77% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Nearly new modular home on beautiful 3/4 acre direct Black Creek navigable lot with access to the St Johns River. Home is stilted to be out of flood zone with large covered deck with brand new hot tub.
What to check on this one
- Confirm actual flood zone designation and elevation certificate — stilted construction needs verification.
- Verify manufactured home insurance availability and rates at this price point.
- Obtain septic system inspection report and well water quality test results.
- Review waterfront property deed restrictions, boat access permits, and environmental regulations.
- Confirm modular home warranty transfer and any builder liens or liens.
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 $367,920 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 COMMUNITY REALTY ASSOCIATES. Data via realMLS (Northeast Florida MLS), updated Jul 9, 2026, 8:01 PM.
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