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
$285,500
last 12 months · county records
CDD
Some
To downtown
43 min
typical off-peak
Which county is Middleburg in?
Middleburg is in Clay County, Florida (ZIP code 32068). Property taxes, flood maps and permits run through Clay County.
What kind of homes are in Middleburg?
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
Is Middleburg in a flood zone?
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/
What drives home insurance costs in Middleburg?
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
Does Middleburg have CDD or HOA fees?
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
Are short-term rentals allowed in Middleburg?
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
How do you get around from Middleburg?
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
483
Median price
$285,500
Median $/sqft
$172
| Address | Sold | Price | Bd/Ba | Sqft | Built |
|---|---|---|---|---|---|
| 1660 Eagle Nest Ln | May 2026 | $107,000 | —/— | 728 | 1984 |
| 2632 Five Forks Ct | May 2026 | $330,000 | —/— | 1,772 | 1991 |
| 2141 County Road 220 | May 2026 | $625,000 | —/— | 1,472 | 1950 |
| 675 Tara Farms Dr | May 2026 | $750,000 | —/— | 2,280 | 1965 |
| 2971 Tuscarora Trl | May 2026 | $376,000 | —/— | 1,770 | 1996 |
| 2921 Tuscarora Trl | May 2026 | $297,000 | —/— | 1,569 | 1999 |
| 2001 Liberty Way | May 2026 | $277,500 | —/— | 1,440 | 1991 |
| 94 Sorrel St. | May 2026 | $430,000 | —/— | 1,972 | 2023 |
| 4093 Lazy Acres Rd | May 2026 | $395,000 | —/— | 775 | 2025 |
| 2545 Crooked Creek Pt | May 2026 | $850,000 | —/— | 4,434 | 1983 |
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
What should you check before making an offer in Middleburg?
- 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?
Nearby areas
- Green Cove Springs · Clay County · Some CDD
- Orange Park / Oakleaf Plantation · Clay County · Some CDD
- Fleming Island · Clay County · CDD
- Julington Creek / Julington Creek Plantation · St. Johns County · CDD
Sources
- https://en.wikipedia.org/wiki/Middleburg,_Florida
- https://www.realtytrac.com/market-trends/middleburg-fl-32068/
- https://www.city-data.com/zips/32068.html
- 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/
- https://www.twocreekscdd.org/about-the-cdd
- https://pineridgeplantationcdd.com/cdd-info
- https://www.citizensfla.com/inspections
- https://www.claycountytax.com/tourist_taxes/index.php
- https://www.oneclay.net/o/ccds/page/find-your-school-zone
- https://www.fdacs.gov/JenningsStateForest
- https://exploreclay.com/activities/middleburg-main-street-boat-ramp/
- https://www.aaroads.com/guides/fl-023-north
- https://www.greyhawkophoa.com/
- https://clay.floridahealth.gov/programs-and-services/environmental-health/ostds.html
- https://router.project-osrm.org/
Updated 2026-09-02. Facts change — verify anything material before you rely on it.