$474,500
4296 BANKS Road, Middleburg, FL 32068
**verifying Subd**
- Price
- $474,500
- Beds / Baths
- 3 / 2
- Living area
- 1,160 sqft
- Year built
- 1996
- Type
- Residential
- Lot
- 1.11 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 40
$409/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 126% above the area's closed prices. Condition and lot vary; that's what a showing is for.
RARE OPPORTUNITY to own this secluded WATERFRONT OASIS along BLACK CREEK in Middleburg! Nestled on 1.11 acres with an impressive 365 feet of direct water frontage, this property offers extreme privacy in a serene nature setting that is truly a peaceful escape. The elevated main living space is located entirely upstairs, perfectly framing stunning nature views from every direction. Inside, you will find a bright, open floor plan that connects the main living areas, which feature durable luxury vinyl plank flooring and carpet in the bedrooms. This level hosts 3 bedrooms and 2 full bathrooms, including a primary suite complete with a private bath, walk-in shower, walk-in closet, and French doors leading to spacious, covered porch that overlooks Black Creek, providing the perfect vantage point for morning coffee or evening relaxation. The ground level opens up to a massive recreational hub heated and cooled by the upstairs thermostat. This completely open space offers endless room to entertain and features a convenient second kitchen, a half bathroom, a laundry room, dedicated storage spaces, and a pool table that stays with the home. From here, you can step directly onto a large 730 SF concrete patio to enjoy the outdoors. For water enthusiasts, you can head straight down to the private dock to cast a line, launch your vessel into Black Creek, or simply take in the serene views. As aerial photos demonstrate, most of the expansive lot has already been cleared, offering plenty of room for animals, a garden, or even building a second dwelling. Hobbyists and mechanics will fall in love with the massive 1,150 SF two-car garage, which includes a generous workspace outfitted with custom cabinetry for all your tools. This unique estate is sure to bring its next owner endless peace and joy, so schedule your private tour today before it is gone! Roof 2023-HVAC 2023-Water Heater 2024
What to check on this one
- Verify flood zone designation with Clay County Property Appraiser—waterfront Black Creek property requires elevation certificate if AE/VE.
- Confirm new roof age, material, and warranty details with seller documentation.
- Inspect ground-level space for moisture, mold, or flood history given waterfront location and lower elevation.
- Review septic system inspection records and capacity for 3-bedroom home.
- Verify Black Creek riparian rights, dock/mooring permits, and any restrictions on water use.
- Check for required homeowners insurance availability and windstorm/flood policy exclusions on waterfront.
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 $379,600 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 FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Aug 26, 2026, 1:14 PM.
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