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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·98 days on market

4296 Banks Road

Middleburg, FL 32068

$474,500$409/sqftEst. $2,587/mo mortgageMLS# 2156690
↓ $20,500 below original list
3
Beds
2
Baths
1,160
Sq Ft
1996
Built
2
Garage
No
Pool
FEMA Zone AENo HOA1.11 acresWaterfrontSingle Family Residence2 stories

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Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middleburg

RARE OPPORTUNITY to own this secluded WATERFRONT OASIS along BLACK CREEK in Middleburg! Nestled on 1.11 acres with an impressive 365 feet of direct water frontage, this property offers extreme privacy in a serene nature setting that is truly a peaceful escape. The elevated main living space is located entirely upstairs, perfectly framing stunning nature views from every direction. Inside, you will find a bright, open floor plan that connects the main living areas, which feature durable luxury vinyl plank flooring and carpet in the bedrooms. This level hosts 3 bedrooms and 2 full bathrooms, including a primary suite complete with a private bath, walk-in shower, walk-in closet, and French doors leading to spacious, covered porch that overlooks Black Creek, providing the perfect vantage point for morning coffee or evening relaxation. The ground level opens up to a massive recreational hub heated and cooled by the upstairs thermostat.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,587
Property taxesest. at asking price, Clay County$727
Estimated total, before insurance$3,314/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,160/yr · $347/mo
  • • 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

$474,500
$94,900
Loan Term
Monthly Payment
$2,587
Principal & Interest: $2,587
Property taxes (est.): $727
Insurance (est.): $316
Estimated Total Monthly
$3,630
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone NPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 1996)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,656 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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): $4,160/yr

Estimated taxes if purchased at asking price: ~$8,700/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.

History

Price & status history

  • Aug 26, 2026Price change$474,500−$20,500
  • Jul 23, 2026Listed$495,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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. Their median is $285/sq ft; this home is listed at $409/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4348 Eli Whitney Drive, Middleburg, FL 32068Listed by WATSON REALTY CORPNov 2025$316,500$2393/21,32250.3
1988 Tacoma Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLCOct 2025$330,000$2354/31,4061200.3
4395 Eli Whitney Drive, Middleburg, FL 32068Listed by WATSON REALTY CORPOct 2026$390,990$2793/21,401770.4
4093 Lazy Acres Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$395,000$4692/2842340.6
4068 Scenic Drive, Middleburg, FL 32068Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Feb 2026$425,000$2852/2.51,4922700.7
4143 Everett Avenue, Middleburg, FL 32068Listed by DALTON WADE INCJul 2026$470,000$3403/21,38290.9

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

Price$474,500
Price / Sq Ft$409
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,160
Acres1.11 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
MiddleWilkinson, reported on 2 other **verifying Subd** listings
HighMiddleburg, reported on 2 other **verifying Subd** listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address4296 Banks Road, Middleburg, FL 32068
Area141-Middleburg NW
Subdivision**verifying Subd**
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size48,351.6 sq ft
Lot Dimensions365 x 133
Parcel Number10052400596700100

Amenities

UtilitiesElectricity Connected, Water Available
Water SourceWell
ParkingAdditional Parking, Garage
ViewTrees/Woods, Water
Waterfront TypeCreek, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Patio
RoofShingle
Road SurfaceDirt, Gravel
Road FrontagePrivate Road

Additional Information

Date ListedJuly 23, 2026
Days on Market98
Tax Amount$4,160.37
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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