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Sold·Closed May 8, 2026·20 days on market
0 Charter Pointe Way
Middleburg, FL 32068
About this home
Middleburg
Located in the highly desirable Black Creek Harbor community, this homesite on Charter Pointe Way offers a rare opportunity to build your dream waterfront home in Middleburg. Priced at $99,000, this partially cleared lot is ideally positioned on Black Creek-a freshwater river that connects to the St. Johns River and provides access all the way to the ocean, making it perfect for boating and outdoor enthusiasts. The property is ready for development, with building plans available and a general contractor in place. The home must be elevated construction on pylons or columns and will require a no-rise study. Enjoy the peaceful, natural surroundings of Black Creek Harbor while still being conveniently located near shopping, dining, and major roadways. Whether you're building now or investing for the future, this property offers strong potential in a sought-after waterfront community. Seller is the listing broker. Owner financing may be available with 50% down.
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 10 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 0.2 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 4 mi · Black Creek North Fork
Closest youth league fields
Argyle Forest Parkabout 10 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
2025 property taxes (current owner): $763/yr
Estimated taxes if purchased at asking price: ~$1,700/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 |
|---|---|---|---|---|---|---|---|
| 2139 2143 Charter Pointe Way, Middleburg, FL 32068Listed by NORTH FLORIDA REALTY ADVISORS | Sep 2026 | $205,000 | — | 0/0 | — | 120 | 0 |
| 2125 Harvard Street, Middleburg, FL 32068Listed by MAXREV, LLC | Jul 2025 | $118,500 | — | 0/0 | — | 9 | 0.4 |
| 3984 Lazy Acres Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jan 2026 | $60,000 | — | 0/0 | — | 603 | 0.7 |
| 4071 Lazy Acres Road, Middleburg, FL 32068Listed by EXIT MAGNOLIA POINT REALTY | Mar 2026 | $120,000 | — | 0/0 | — | 168 | 1.1 |
| 4071 Lazy Acres Road, Middleburg, FL 32068Listed by EXIT MAGNOLIA POINT REALTY | Aug 2025 | $85,000 | — | 0/0 | — | 304 | 1.1 |
| 4241 Lazy Acres Road, Middleburg, FL 32068Listed by EXP REALTY LLC | Dec 2025 | $105,000 | — | 0/0 | — | 12 | 1.4 |
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: NORTH FLORIDA REALTY ADVISORS
Sold by: NORTH FLORIDA REALTY ADVISORS (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 May 8, 2026. 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