$700,000
3684 MAIN Street, Middleburg, FL 32068
Metes & Bounds
- Price
- $700,000
- Beds / Baths
- 3 / 3
- Living area
- 2,012 sqft
- Year built
- 2012
- Type
- Residential
- Lot
- 0.41 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 1
- Elementary
- Middleburg
- Middle
- Lake Asbury
- High school
- Middleburg
$348/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 92% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Custom waterfront home on 140 feet of North Fork Black Creek frontage, offering a private setting with direct access to the water. Craftsmanship includes rough-cut Pecky Cypress and Heart Pine, soaring 23-foot vaulted ceilings with exposed pine beams, a Heart Pine fireplace, and abundant natural light throughout. The open floorplan features a spacious kitchen with granite countertops and stainless steel appliances, with wooded and creek views from most rooms. The primary suite opens to a balcony overlooking Black Creek and includes a spacious bath with a Jacuzzi tub and walk-in shower with dual shower heads. Outdoor living extends to large front and back porches, an expansive docks with a covered boat lift and two jet ski lifts, and a fully fenced yard with established fruit trees. The home is elevated approximately 20 feet above the flood zone, providing substantial covered space underneath for vehicles, boats, and storage.
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate from Clay County.
- Confirm roof age and get current insurance quote; 2012 roof may need replacement soon.
- Request 4-point inspection and wind-mitigation report for insurer requirements.
- Inspect dock structures, boat lift, and jet ski lifts for maintenance/replacement costs.
- Verify septic system service records and tank capacity for 2,012 sq ft home.
- Confirm water source: municipal or well; request service history and water quality test.
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 $560,000 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 COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 7:30 PM.
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