$470,900
3978 GAREYS FERRY Way, Middleburg, FL 32068
Jennings Farm
- Price
- $470,900
- Beds / Baths
- 5 / 3
- Living area
- 2,446 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
- 62
$193/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 7% above the area's closed prices. Condition and lot vary; that's what a showing is for.
The Four Winds by LGI Homes -- and it delivers. 5 bedrooms. 2.5 bathrooms. First-floor primary suite with double-sink vanity and walk-in shower. Open-concept family room. Chef-ready kitchen with stainless Whirlpool® appliances. First-floor den. Upstairs game room. Covered back patio. Gated community. $3 million amenity center. Pool. Pickleball. No CDD fees. A-rated schools. Right off HWY 21 for an easy commute to NAS Jax and downtown Jacksonville. Black Creek boat ramp around the corner. Zero down. Closing costs fully paid. Rate buydown available.* This is the one the whole family fits in. *For those who qualify with builder's preferred lender.
What to check on this one
- Verify flood zone designation with FEMA flood map and get elevation certificate if needed.
- Confirm HOA $110/mo covers what services; request CC&Rs and rental restriction rules.
- Review builder warranty details and 2-year home defect timeline.
- Inspect roof, HVAC, and all Whirlpool appliances for proper installation and function.
- Confirm gated community amenity access, pool/pickleball membership terms, and future fee increases.
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 $376,720 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 Jul 1, 2026, 1:52 AM.
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