4296 BANKS Road, Middleburg, FL 32068 (MLS# 2156690)

4296 BANKS Road, Middleburg, FL 32068

New Listing

$495,000

Virtual Tour

https://www.zillow.com/view-imx/c3ac2200-fbd1-4377-9b3b-c48a617f2919?wl=true&setAttribution=mls&initialViewType=pano

Primary bedroom that accesses upstairs covered porch with views of Black Creek

Upstairs covered porch that overlooks Black Creek

Upstairs living space-Downstairs recreation space-Garage

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,160 Lot Size (sq. ft.): 48,352 Status: Active

Current Price: $495,000 List Date: 7/23/2026 Last Modified: 7/23/2026

Overview

Description

OPEN HOUSE on Sat-July 23rd 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.

Supplements: 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 th ... (Read more)

Open Houses

Saturday, July 25, 12:00 pm - 2:00 pm

Listing Details MLS# 2156690

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1160
Living Area Source: Appraiser
Year Built: 1996
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 1.11
Lot Size Dimensions: 365 x 133
Association YN: No
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: Yes
Waterfront YN: Yes
Water Frontage Feet: 365
Furnished: Unfurnished
Stories: 2
Entry Level: 2
Senior Community YN: No
Directions: South on blanding, make right on Scenic Drive 2.4mi, make right on Banks Rd 1.4mi and then you are going to make right onto dirt road where there are a few mailboxes and just before Gin House Landing sign. Follow dirt road approx 0.2mi and it will be last house on left where road dead ends
Public Remarks: OPEN HOUSE on Sat-July 23rd 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.
List Price/SqFt: 426.72
Bathrooms Half: 0

Property Features

Levels: Two Appliances: Dishwasher; Disposal; Electric Oven; Electric Water Heater; Microwave; Refrigerator Interior Features: Breakfast Bar; Ceiling Fan(s); Kitchen Island; Open Floorplan; Primary Bathroom - Shower No Tub; Walk-In Closet(s) Flooring: Carpet; Luxury Vinyl Laundry Features: Electric Dryer Hookup; Washer Hookup Utilities: Electricity Connected; Water Available Cooling: Central Air Heating: Central Water Source: Well Exterior Features: Balcony Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Additional Parking; Garage View: Trees/Woods; Water Waterfront Features: Creek; Navigable Water Current Use: Single Family Road Frontage Type: Private Road Road Surface Type: Dirt; Gravel Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-07-23

Location Tax and Legal

Street Number: 4296
Street Name: BANKS
Street Suffix: Road
County: Clay
State: FL
Postal Code: 32068
MLS Area Major: 141-Middleburg NW
Subdivision Name: **verifying Subd**

Status Change Information

Major Change Timestamp: 2026-07-23T15:33:59Z
Major Change Type: New Listing

DPR Eligible

DPR Eligible: Yes

More Information

Location, Tax, and Legal

Country: US
Parcel Number: 10052400596700100
Tax Annual Amount: 4160.37
Tax Year: 2025
Tax Legal Description: PT LOT 2 AS REC O R 1520 PG 5 1579 PG 1833 3472 PG

Appliances

Dishwasher: Yes
Disposal: Yes
Electric Oven: Yes
Electric Water Heater: Yes
Microwave: Yes
Refrigerator: Yes

Cooling

Central Air: Yes

Current Use

Single Family: Yes

Exterior Features

Balcony: Yes

Flooring

Carpet: Yes
Luxury Vinyl: Yes

Heating

Central: Yes

Laundry Features

Electric Dryer Hookup: Yes
Washer Hookup: Yes

Levels

Two: Yes

Listing Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA Loan: Yes

Parking Features

Additional Parking: Yes
Garage: Yes

Possession

Close Of Escrow: Yes

Road Frontage Type

Private Road: Yes

Road Surface Type

Dirt: Yes
Gravel: Yes

Roof

Shingle: Yes

Utilities

Electricity Connected: Yes
Water Available: Yes

View

Trees/Woods: Yes
Water: Yes

Water Source

Well: Yes

Patio And Porch Features

Covered: Yes
Patio: Yes

Waterfront Features

Creek: Yes
Navigable Water: Yes

Interior Features

Breakfast Bar: Yes
Ceiling Fan(s): Yes
Kitchen Island: Yes
Open Floorplan: Yes
Primary Bathroom - Shower No Tub: Yes
Walk-In Closet(s): Yes

Documents

Offer Instructions ›

Listing Office: FLORIDA HOMES REALTY & MTG LLC

Last Updated: July - 23 - 2026

Information deemed reliable but not guaranteed.

4296 BANKS Road, Middleburg, FL 32068 (MLS# 2156690)