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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$365,000

3087 S DEER Avenue, Middleburg, FL 32068, Middleburg, FL 32068

Black Creek Park

Price
$365,000
Beds / Baths
3 / 2
Living area
1,440 sqft
Year built
1987
Type
Residential
Lot
1.1 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
19

$253/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 40% above the area's closed prices. Condition and lot vary; that's what a showing is for.

OPEN HOUSE Cancelled! Charming cottage-style home featuring 3 bedrooms and 2 bathrooms, situated on over an acre of land on a corner-lot. The inviting living room boasts a cozy fireplace and vaulted ceilings, creating a warm and spacious atmosphere. The primary bedroom is conveniently located downstairs. With plenty of land and charming character, this home offers a wonderful opportunity for comfortable country-style living.

What to check on this one

  • Verify roof age and get 4-point inspection before underwriting.
  • Order flood zone determination and elevation certificate if in AE/VE.
  • Confirm plumbing type (polybutylene/cast-iron common in 1987 builds).
  • Inspect well and septic system service records and functionality.
  • Request survey; confirm corner-lot setback compliance and easements.
  • Get homeowners insurance quote; 1987 build may face underwriting delays.

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$1,894/mo
Property tax (1.1% eff., Clay Co.)$335/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,521/mo

Loan $292,000 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 JPAR CITY AND BEACH. Data via realMLS (Northeast Florida MLS), updated Aug 21, 2026, 5:36 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.