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Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

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Live oaks draped in Spanish moss, the signature canopy along Middleburg's creek roads and acreage lots.

Clay County · Middleburg · 32068

Middleburg

Middleburg is an unincorporated area and census-designated place in northwest Clay County, Florida, with a 2020 census population of 12,881, located about 26 miles southwest of downtown Jacksonville along SR 21 (Blanding Boulevard), which runs 13 miles northeast to Orange Park. The community sits between the North and South Forks of Black Creek, with CR 218 crossing east-west. Housing is a mix of acreage and manufactured homes alongside newer platted subdivisions such as Two Creeks, Pine Ridge Plantation, Greyhawk, and Azalea Ridge, and the tolled First Coast Expressway (SR 23) now interchanges with Blanding Boulevard at Middleburg. Sources: https://en.wikipedia.org/wiki/Middleburg,_Florida ; https://www.aaroads.com/guides/fl-023-north

Median sale

$290,000

as of 2026-08

CDD

Some

School district

Clay County District Schools

Find zoned schools ↗

To downtown

43 min

typical off-peak

Housing stock

Zip 32068 contains roughly 22,730 houses/condos plus about 4,759 mobile/manufactured homes per city-data.com ACS-based figures, so manufactured housing is a meaningful share of the stock. Construction cohorts skew 1990s-2000s (about 4,803 units built 1990-1999 and 5,959 built 2000-2009), with 3,281 built 2010-2019 and 1,835 built 2020 or later as newer builder subdivisions (Two Creeks, Pine Ridge Plantation, Greyhawk, Azalea Ridge) have been added. Lot sizes range widely - current listings on the same market page show subdivision lots around 7,000-9,500 sq ft next to parcels over an acre (e.g., 49,223 sq ft). Properties outside utility service areas use private wells and septic; the Florida Department of Health in Clay County administers the onsite sewage (septic) permitting program. Sources: https://www.city-data.com/zips/32068.html ; https://www.realtytrac.com/market-trends/middleburg-fl-32068/ ; https://clay.floridahealth.gov/programs-and-services/environmental-health/ostds.html

Flood zones

After Hurricane Irma in September 2017, Black Creek at Middleburg crested at 28.5 feet, breaking the prior high-water record of just over 24 feet set in 1923; roughly 1,200 homes were situated in the flooded area and over 300 residents were rescued. Clay County's primary flood zones are X, X-shaded, A, AE, and Floodway: A/AE/Floodway are Special Flood Hazard Areas where flood insurance is required with a federally backed mortgage and floodplain development permits and elevation certificates apply, while Zone X is minimal hazard with no flood-insurance requirement; Floodway parcels along the creek channel additionally require No-Rise studies for new development. FEMA announced an update of Clay County's Flood Insurance Rate Maps in September 2025, so zone designations on specific parcels may change. Sources: https://news.wjct.org/first-coast/2017-09-13/gov-scott-tours-middleburg-flooding-your-heart-goes-out-to-them ; https://www.news4jax.com/news/local/2025/09/04/fema-is-updating-clay-countys-flood-insurance-rate-maps-heres-how-to-see-if-youre-affected/

Insurance factors

Middleburg is inland; wind exposure is priced accordingly and wind-mitigation inspections (roof shape, attachments, openings protection) can earn premium credits per Citizens' inspection program. Citizens requires a four-point inspection (electrical, plumbing, HVAC, roof - age, type, condition) for all dwelling and mobile-home applications on properties more than 20 years old, which matters given the 1980s-2000s stock. Roofs older than 25 years (shingle) or 50 years (tile/slate/clay/concrete/metal) require documentation of at least five years remaining useful life, or proof of full replacement before a policy is written. Mobile/manufactured homes are underwritten as a separate mobile-home application type. Sources: https://www.citizensfla.com/inspections

CDD and HOA

Most of Middleburg's acreage and older subdivisions have no CDD, but two post-2006 communities verifiably do: Two Creeks CDD (Clay County Ordinance 2006-27, effective June 13, 2006; ~624 acres, Chapter 190 F.S.) and Pine Ridge Plantation CDD (Clay County Ordinance 2006-5, 2006), whose assessments appear as a non-ad valorem line on the tax bill and vary by phase and bond series, so verify the exact amount on the specific parcel's TRIM/tax bill. Sources: https://www.twocreekscdd.org/about-the-cdd ; https://pineridgeplantationcdd.com/cdd-info

Acreage parcels and older street-plat areas generally have no HOA. Newer subdivisions carry mandatory HOAs - e.g., GreyHawk has the GreyHawk Homeowners Association, and Two Creeks and Pine Ridge Plantation combine HOA dues with CDD assessments. Sources: https://www.greyhawkophoa.com/ ; https://www.twocreekscdd.org/about-the-cdd ; https://pineridgeplantationcdd.com/cdd-info

Short-term rentals

Clay County levies a 5% Tourist Development Tax on transient accommodations (hotel, condominium, mobile home, single-family dwelling, or other sleeping facility) rented for six months or less, under F.S. 125.0104 and FAC 12A-1.061. The tax is charged to the renter; the owner or agent must collect and remit it to the Clay County Tax Collector (registration/payment via TouristExpress), with returns due the first of the month after collection and delinquent after the 20th. Sources: https://www.claycountytax.com/tourist_taxes/index.php

Getting around

SR 21 (Blanding Boulevard) is the main arterial, running 13 miles northeast to Orange Park and 23 miles southwest to Keystone Heights; CR 218 crosses the area east-west. The tolled First Coast Expressway (SR 23) extends 32 miles from US 17 near Green Cove Springs to I-10 west of Jacksonville with an interchange at SR 21 in Middleburg; the segment from SR 21 south to US 17 opened August 9, 2025, and a further extension east toward Leonard C. Taylor Parkway opened June 29, 2026. Sources: https://en.wikipedia.org/wiki/Middleburg,_Florida ; https://www.aaroads.com/guides/fl-023-north

What homes actually sold for

Recorded sales in Middleburg from county public records, last 12 months. These are closed prices, not asking prices.

Sales recorded

664

Median price

$290,000

Median $/sqft

$174

AddressSoldPriceBd/BaSqftBuilt
1660 Eagle Nest LnMay 2026$107,000/7281984
2632 Five Forks CtMay 2026$330,000/1,7721991
2141 County Road 220May 2026$625,000/1,4721950
675 Tara Farms DrMay 2026$750,000/2,2801965
2971 Tuscarora TrlMay 2026$376,000/1,7701996
2921 Tuscarora TrlMay 2026$297,000/1,5691999
2001 Liberty WayMay 2026$277,500/1,4401991
94 Sorrel St.May 2026$430,000/1,9722023
4093 Lazy Acres RdMay 2026$395,000/7752025
2545 Crooked Creek PtMay 2026$850,000/4,4341983

Source: county property appraiser records (public). Sales flagged by the county as non-arm's-length are excluded.

Schools listings here report

Assigned schools as stated on current MLS listings in this area — names only. Verify zoning with the district; attendance boundaries change.

Elementary

  • Clay Hill
  • Coppergate
  • Discovery Oaks
  • Doctors Inlet
  • Middleburg
  • Rideout
  • Shadowlawn
  • Swimming Pen Creek
  • Tynes
  • Wilkinson

Middle

  • Lake Asbury
  • Lakeside
  • Oakleaf Jr High
  • Wilkinson

High school

  • Clay
  • Fleming Island
  • Middleburg
  • Oakleaf High School
  • Orange Park
  • Ridgeview

Before you make an offer here

  • Is the home on a private well and septic, and what do the DOH-Clay onsite sewage permit records and a current septic inspection and water test show?
  • What FEMA flood zone is the parcel in (X, A, AE, or Floodway), did it flood during Hurricane Irma in 2017, and is there an elevation certificate?
  • Does the tax bill carry a CDD or other non-ad valorem assessment, and what are the HOA dues if the home is in a newer subdivision?
  • What does the parcel's Clay County zoning allow for animals, agricultural use, and outbuildings?
  • If the home is manufactured, does it have the documentation lenders require (HUD tags, foundation, title status), and how does that affect financing and insurance?
  • How old is the roof, and will the home pass a four-point inspection for property insurance given roof-age documentation requirements?

Sources