$230,000
2879 CREEK Street, Middleburg, FL 32068, Middleburg, FL 32068
Black Creek Shores
- Price
- $230,000
- Beds / Baths
- 2 / 2
- Living area
- 1,178 sqft
- Year built
- 1983
- Type
- Residential
- Lot
- 0.26 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 41
- Elementary
- Shadowlawn
- Middle
- Lake Asbury
- High school
- Middleburg
$195/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 8% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Fantastic investment or vacation home opportunity! This 2BD/2BA stilt home sits on a navigable creek with direct access to the St. Johns River and a public boat ramp nearby. Features updated flooring and baths, plus a large back deck made for relaxing outdoors. Needs minor TLC (guest shower tile completion and deck board repairs, some wood rot to reach its full potential. Excellent candidate for a short-term rental, Airbnb, or quiet Price reflects the updates and work needed to bring to full potential. waterfront getaway! AC 2021, WH 2021
What to check on this one
- Verify flood zone designation and get elevation certificate for stilt home financing.
- Order 4-point inspection; home is 43 years old, check roof age and insurer requirements.
- Confirm shoreline/riparian rights, deed restrictions, and creek navigation legality with title search.
- Document AC/WH 2021 replacements; request receipts and warranty transfer for resale.
- Inspect wood rot extent on deck and stilt supports; get contractor estimate before closing.
- Verify short-term rental allowance in Clay County and confirm no HOA deed 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
Loan $184,000 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 UNITED REAL ESTATE GALLERY. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 6:14 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.