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Sold·Closed Sep 10, 2025·219 days on market
0 Banks Road
Middleburg, FL 32068
About this home
Middleburg
Bring your boat, water toys, and fishing gear!! This tucked away waterfront paradise has the privacy that will make you feel like you are at your own exclusive resort. You have 200 ft of pure heaven right along the Black Creek water. Stunning established trees but cleared enough for you to envision your home and walk around to see the beauty. There is a reason that Black Creek waterfront land is one of the most sought after vacant lots in all of Northeast Florida!! Also, you are on a dead end street at the very end. Don't miss the video tour of the lot on YouTube!! Don't miss out on this opportunity to live off of Black Creek and build your dream home in Middleburg Florida.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 9 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 2 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 2 mi · Black Creek North Fork
Closest youth league fields
Argyle Forest Parkabout 11 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $1,648/yr
Estimated taxes if purchased at asking price: ~$1,500/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4241 Lazy Acres Road, Middleburg, FL 32068Listed by EXP REALTY LLC | Dec 2025 | $105,000 | — | 0/0 | — | 12 | 0.3 |
| 4235 Lazy Acres Road, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $95,000 | — | 0/0 | — | 331 | 0.4 |
| 4231 Lazy Acres Road, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $90,000 | — | 0/0 | — | 331 | 0.4 |
| 2196 Snap Court, Middleburg, FL 32068Listed by WATSON REALTY CORP | Feb 2026 | $55,000 | — | 0/0 | — | 0 | 0.5 |
| 2144 Ginhouse Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | May 2025 | $57,000 | — | 0/0 | — | 230 | 0.6 |
| 4321 Falcon Run Lane, Middleburg, FL 32068Listed by BETROS REALTY INC | Sep 2026 | $122,500 | — | 0/0 | — | 35 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
Sold by: EXIT INSPIRED REAL ESTATE (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 10, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines