Skip main navigation
Active
  • $495,000

    4296 BANKS Road, Middleburg, FL 32068

    3beds
    1,160sqft
    : 
    $3,240/mo
    Get pre-qualified
    Single Family Residence
    Built in 1996
    1.11 Acres Lot
    $489,700 Zestimate®
    $427/sqft
    $-- HOA

    What's special

    Private dockHalf bathroomMassive recreational hubBright open floor planCarpet in the bedroomsLaundry roomConvenient second kitchen
    OPEN HOUSE on Sat-July 25th from 12pm to 2pm! Super 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
    8 days
    |
    864
    |
    34
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    MICHELLE SHERRILL 904-234-9696,

    FLORIDA HOMES REALTY & MTG LLC 904-996-9115

    Source: realMLS,MLS#: 2156690MLS Logo

      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: $427/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

        $489,700

        $465,000 - $514,000

        $1,681/mo

        Price history

        DateEventPrice
        7/23/2026Listed for sale$495,000$427/sqft
        Source: realMLS #2156690 Report a problem
        11/6/2024Listing removed$2,500$2/sqft
        Source: Zillow Rentals Report a problem
        9/28/2024Listed for rent$2,500$2/sqft
        Source: Zillow Rentals Report a problem

        Public tax history

        YearProperty taxesTax 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

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 32068

        Getting around

        0 / 100
        Car-Dependent
        20 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

        Browse local experts

        Similar homes