4296 BANKS Road, Middleburg, FL 32068

• 3 beds |
• 2 baths |
• 1,160 sqft

Property Description

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

Listing Status:

Active

Date Added:

July 23, 2026

Data Last Updated:

July 29, 2026 at 3:36PM

Listing Office:

FLORIDA HOMES REALTY & MTG LLC : 904-996-9115

Listing Agent:

MICHELLE SHERRILL : 904-234-9696

MLS ID:

2156690

Interior

• General: Breakfast BarCeiling Fan(s)Kitchen IslandOpen FloorplanWalk-In Closet(s)Primary Bathroom - Shower No Tub
• Appliances: DisposalDishwasherElectric OvenElectric Water HeaterMicrowaveRefrigerator
• Laundry: Electric Dryer HookupWasher Hookup
• Flooring: Carpet
• A/C: Central Air
• Heating:

Exterior

• General: Balcony

Construction

• Roofing: Shingle
• General: 2

Location

• Road/Access: Private Road
• Originating MLS: realMLS (Northeast Florida Multiple Listing Service)
• County: Clay

Lot

• Zoning: 10052400596700100
• View: Trees/WoodsWater
• Current Use: Single Family

Utilities

• Utilities: Electricity ConnectedWater Available
• Water: Well

Financial

• Source: realMLS (Northeast Florida Multiple Listing Service)