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. This completely open space offers endless room to entertain and features a convenient second kitchen, a half bathroom, a laundry room, dedicated storage spaces, and a pool table that stays with the home. From here, you can step directly onto a large 730 SF concrete patio to enjoy the outdoors. For water enthusiasts, you can head straight down to the private dock to cast a line, launch your vessel into Black Creek, or simply take in the serene views. As aerial photos demonstrate, most of the expansive lot has already been cleared, offering plenty of room for animals, a garden, or even building a second dwelling. Hobbyists and mechanics will fall in love with the massive 1,150 SF two-car garage, which includes a generous workspace outfitted with custom cabinetry for all your tools. This unique estate is sure to bring its next owner endless peace and joy, so schedule your private tour today before it is gone! Roof 2023-HVAC 2023-Water Heater 2024
Active
Price cut: $20.5K (8/26)
$474,500
4296 BANKS Road, Middleburg, FL 32068
3beds
1,160sqft
Single Family Residence
Built in 1996
1.11 Acres Lot
$462,600 Zestimate®
$409/sqft
$-- HOA
What's special
Private dockHalf bathroomMassive recreational hubBright open floor planCarpet in the bedroomsLaundry roomConvenient second kitchen
- 57 days
- 438
- 43
Zillow last checked:
Listing updated:
Listed by:
MICHELLE SHERRILL 904-234-9696,
FLORIDA HOMES REALTY & MTG LLC 904-996-9115
Source: realMLS,MLS#: 2156690
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator
- Laundry: Electric Dryer Hookup, Washer Hookup
Features
- Breakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
- Flooring: Carpet
Interior area
- Total interior livable area: 1,160 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Additional Parking, Garage
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Patio
- Exterior features: Balcony
- Has view: Yes
- View description: Trees/Woods, Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Creek, Navigable Water
Lot
- Size: 1.11 Acres
- Dimensions: 365 x 133
Details
- Parcel number: 10052400596700100
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Roof: Shingle
Condition
- New construction: No
- Year built: 1996
Utilities & green energy
- Water: Well
- Utilities for property: Electricity Connected, Water Available
Community & HOA
Community
- Subdivision: **verifying Subd**
HOA
- Has HOA: No
Location
- Region: Middleburg
Financial & listing details
- Price per square foot: $409/sqft
- Tax assessed value: $249,298
- Annual tax amount: $4,160
- Date on market: 7/23/2026
- Listing terms: Cash,Conventional,FHA,VA Loan
- Road surface type: Dirt, Gravel
Estimated market value
$462,600
$439,000 - $486,000
$1,593/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/26/2026 | Price change | $474,500-4.1%$409/sqft |
Source: | ||
| 7/23/2026 | Listed for sale | $495,000$427/sqft |
Source: | ||
| 11/6/2024 | Listing removed | $2,500$2/sqft |
Source: Zillow Rentals Report a problem | ||
| 9/28/2024 | Listed for rent | $2,500$2/sqft |
Source: Zillow Rentals Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $249,298 +52.5% |
| 2024 | $2,218 +3.9% | $163,509 +3% |
| 2023 | $2,135 +9.2% | $158,747 +3% |
| 2022 | $1,955 +0.4% | $154,124 +3% |
| 2021 | $1,947 +3.3% | $149,635 +1.4% |
| 2020 | $1,884 | $147,570 +2.3% |
| 2019 | $1,884 +1.6% | $144,253 +1.9% |
| 2018 | $1,853 +9.2% | $141,563 +2.1% |
| 2017 | $1,697 +0.7% | $138,651 +2.1% |
| 2016 | $1,685 +0.3% | $135,799 +0.7% |
| 2015 | $1,680 -2.7% | $134,855 +0.8% |
| 2014 | $1,727 | $133,785 +12.2% |
| 2013 | -- | $119,266 -7.5% |
| 2012 | -- | $128,887 -1.9% |
| 2011 | -- | $131,346 -5.7% |
| 2010 | -- | $139,240 -7.9% |
| 2009 | -- | $151,146 -4.9% |
| 2008 | -- | $158,951 +3% |
| 2007 | -- | $154,321 +2.5% |
| 2006 | -- | $150,557 +3% |
| 2005 | -- | $146,172 +19.1% |
| 2004 | -- | $122,769 +1.9% |
| 2003 | -- | $120,480 +3.6% |
| 2001 | -- | $116,337 -1.1% |
| 2000 | -- | $117,672 |
Find assessor info on the county website
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