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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$848,000

4002 SCENIC Drive, Middleburg, FL 32068, Middleburg, FL 32068

Black Creek Estates

Price
$848,000
Beds / Baths
3 / 3
Living area
2,412 sqft
Year built
1989
Type
Residential
Lot
1.79 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
40

$352/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 94% above the area's closed prices. Condition and lot vary; that's what a showing is for.

One of Black Creek's most unique waterfront properties!!! Nestled on 1.79 beautifully landscaped acres at the end of a long private driveway, this extensively renovated 3/BR 3BA home offers approximately $2500 sq ft and an incredible 5,700 sq ft under roof. Designed for entertaining and enjoying the waterfront lifestyle, the home features a beautifully updated kitchen, spacious living areas, a spectacular sunroom with panoramic water views, and multiple outdoor living spaces including a covered upper deck, screened patio, waterfront pavilion, private dock, and a fire pit. The lower level offers an oversized garage, massive workshop, full bath, and abundant storage, while a detached 30X30 garage provides even more spaces for vehicles, hobbies or projects. Direct navigable access to the St. Johns river makes this truly a rare opportunity. Whether you're boating, fishing, kayaking, entertaining, or simply relaxing while watching spectacular sunsets over the water, this home delivers!!!

What to check on this one

  • Verify actual flood zone designation and elevation certificate requirement for Black Creek waterfront.
  • Confirm roof age and obtain 4-point inspection given 1989 build year.
  • Review septic system permits, maintenance records, and current functionality.
  • Verify dock permits, riparian rights, and St. Johns River navigability access.
  • Inspect plumbing material (polybutylene/cast-iron common in 1989) and system upgrades.
  • Confirm workshop/detached garage permitted uses and any zoning restrictions.

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$4,400/mo
Property tax (1.1% eff., Clay Co.)$777/mo
Homeowners insurance (est.)$495/mo
All-in monthly (est.)$5,672/mo

Loan $678,400 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 LANTERN REALTY, LLC.. Data via realMLS (Northeast Florida MLS), updated Aug 13, 2026, 8:21 PM.

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.