# 4296 BANKS Road, Middleburg, FL 32068 > **TL;DR:** 3bd/2ba single family, $474,500 ($409/sqft), built 1996, 1,160 sqft. > Waterfront, View, A/C, 2-car garage. Est. $2,537/mo. Listed 102 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $474,500 | | Price/sqft | $409 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,160 | | Year Built | 1996 | | Lot Size | 48,352 sqft (1.11 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 102 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,399 | | Estimated Insurance | $138 | | **Total** | **$2,537** | ## Key Amenities - Waterfront - View - A/C - 2-car garage ## Property Highlights - Built in 1996 - 1.11 acre lot - 2 stories - Waterfront ## Description ### Agent Description 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 ## Location - **Address:** 4296 BANKS Road, Middleburg, FL 32068 - **County:** Clay - **Neighborhood:** **verifying Subd** - **Coordinates:** 30.081556, -81.882475 - **Google Maps:** https://www.google.com/maps?q=30.081556,-81.882475 ## Virtual Tour & Media - **Video Tour:** https://www.zillow.com/view-imx/c3ac2200-fbd1-4377-9b3b-c48a617f2919?wl=true&setAttribution=mls&initialViewType=pano ## Listing Agent - **Name:** MICHELLE SHERRILL - **Brokerage:** Florida Homes Realty and Mortgage - **Broker Phone:** (904) 363-8395 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4296-Banks-Rd_Middleburg_FL_32068_M64032-15474?f=listhub&s=NEFMLS&m=2156690&c=propsimple) ## Photos ![4296 BANKS Road - Photo 1](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1461274853r.jpg) ![4296 BANKS Road - Photo 2](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2239459055r.jpg) ![4296 BANKS Road - Photo 3](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2963747723r.jpg) ![4296 BANKS Road - Photo 4](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2234735651r.jpg) ![4296 BANKS Road - Photo 5](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f237436680r.jpg) ![4296 BANKS Road - Photo 6](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3114939238r.jpg) ![4296 BANKS Road - Photo 7](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2329397779r.jpg) ![4296 BANKS Road - Photo 8](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2601265425r.jpg) ![4296 BANKS Road - Photo 9](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3669614612r.jpg) ![4296 BANKS Road - Photo 10](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3731339795r.jpg) ![4296 BANKS Road - Photo 11](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2877351521r.jpg) ![4296 BANKS Road - Photo 12](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f4144235713r.jpg) ![4296 BANKS Road - Photo 13](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f816632905r.jpg) ![4296 BANKS Road - Photo 14](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1181290642r.jpg) ![4296 BANKS Road - Photo 15](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3193571086r.jpg) ![4296 BANKS Road - Photo 16](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2583475075r.jpg) ![4296 BANKS Road - Photo 17](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2445070068r.jpg) ![4296 BANKS Road - Photo 18](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2691470611r.jpg) ![4296 BANKS Road - Photo 19](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2808765699r.jpg) ![4296 BANKS Road - Photo 20](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2689002176r.jpg) ![4296 BANKS Road - Photo 21](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1690828374r.jpg) ![4296 BANKS Road - Photo 22](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f18701929r.jpg) ![4296 BANKS Road - Photo 23](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1577071149r.jpg) ![4296 BANKS Road - Photo 24](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f854131725r.jpg) ![4296 BANKS Road - Photo 25](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1233077498r.jpg) ![4296 BANKS Road - Photo 26](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1866458051r.jpg) ![4296 BANKS Road - Photo 27](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2938860917r.jpg) ![4296 BANKS Road - Photo 28](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f46370163r.jpg) ![4296 BANKS Road - Photo 29](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f111204661r.jpg) ![4296 BANKS Road - Photo 30](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1276399824r.jpg) ![4296 BANKS Road - Photo 31](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f4262188456r.jpg) ![4296 BANKS Road - Photo 32](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2228320625r.jpg) ![4296 BANKS Road - Photo 33](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f461919926r.jpg) ![4296 BANKS Road - Photo 34](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f979936634r.jpg) ![4296 BANKS Road - Photo 35](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3565896461r.jpg) ![4296 BANKS Road - Photo 36](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3163702583r.jpg) ![4296 BANKS Road - Photo 37](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1358118929r.jpg) ![4296 BANKS Road - Photo 38](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2031169617r.jpg) ![4296 BANKS Road - Photo 39](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f2346281556r.jpg) ![4296 BANKS Road - Photo 40](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f4061398075r.jpg) ![4296 BANKS Road - Photo 41](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1075597621r.jpg) ![4296 BANKS Road - Photo 42](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f875214793r.jpg) ![4296 BANKS Road - Photo 43](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f3310238947r.jpg) ![4296 BANKS Road - Photo 44](http://lh.rdcpix.com/608a87fcfd7c808a837d7eca2db95577l-f1296111674r.jpg) --- **MLS#:** 2156690 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/4296-banks-road-middleburg-fl-32068-809c98aaac314a93b66f1edf838fe6b6) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/4296-banks-road-middleburg-fl-32068-809c98aaac314a93b66f1edf838fe6b6#listing", "url": "https://staging.propertysimple.ai/listing/4296-banks-road-middleburg-fl-32068-809c98aaac314a93b66f1edf838fe6b6", "name": "4296 BANKS Road, Middleburg, FL 32068", "description": "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. 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