$495,000
4296 BANKS Road
Middleburg, FL 32068
MLS# 2156690
3 beds  |  2 baths
 | 
37-web-or-mls-4296 Banks Rd-37
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37-web-or-mls-4296 Banks Rd-37 2-web-or-mls-4296 Banks Rd-2 Location along Black Creek Complete aerial view of property View of house from Black Creek View of house from Black Creek Dock and view of Black Creek Entry to house facing Black Creek Living area Living area Living Room Kitchen Kitchen Kitchen Primary bedroom that accesses upstairs covered porch with views of Black Creek Primary bedroom Primary bathroom with walk-in shower Bedroom 2 Bedroom 2 Hall/guest bathroom with tub Bedroom 3 Bedroom 3 Upstairs covered porch with water view Upstairs covered porch that overlooks Black Creek 27-web-or-mls-4296 Banks Rd-27 Recreation downstairs Recreation downstairs Recreation downstairs Recreation downstairs kitchen Recreation downstairs Half bath downstairs recreation 28-web-or-mls-4296 Banks Rd-28 29-web-or-mls-4296 Banks Rd-29 30-web-or-mls-4296 Banks Rd-30 Garage 31-web-or-mls-4296 Banks Rd-31 34-web-or-mls-4296 Banks Rd-34 33-web-or-mls-4296 Banks Rd-33 35-web-or-mls-4296 Banks Rd-35 48-web-or-mls-4296 Banks Rd-48 46-web-or-mls-4296 Banks Rd-46 36-web-or-mls-4296 Banks Rd-36 Upstairs living space-Downstairs recreation space-Garage Frontage & Depth
Open House (07/25/2026 - 12:00 pm - 2:00 pm)

Property 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.

Details
Documents
Contract Information
Property Attached YN: No
Current Price: $495,000
Property Sub Type: Single Family Residence
Status: Active
List Price: $495,000
Listing Contract Date: 2026-07-23
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
General Property Information
Lot Size Acres: 1.11
Bathrooms Half: 0
Lot Size Dimensions: 365 x 133
Living Area: 1160
Living Area Source: Appraiser
CDD Fee YN: No
Accessory Dwelling Unit Y/N: No
Association YN: No
Homestead YN: No
Waterfront YN: Yes
Water Frontage Feet: 365
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.
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
Furnished: Unfurnished
Stories: 2
Entry Level: 2
List Price/SqFt: 426.72
Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Year Built: 1996
Appliances
Dishwasher: 1
Disposal: 1
Electric Oven: 1
Electric Water Heater: 1
Microwave: 1
Refrigerator: 1
Cooling
Central Air: 1
Current Use
Single Family: 1
Exterior Features
Balcony: 1
Flooring
Carpet: 1
Luxury Vinyl: 1
Heating
Central: 1
Laundry Features
Electric Dryer Hookup: 1
Washer Hookup: 1
Levels
Two: 1
Listing Terms
Cash: 1
Conventional: 1
FHA: 1
VA Loan: 1
Parking Features
Additional Parking: 1
Garage: 1
Possession
Close Of Escrow: 1
Road Frontage Type
Private Road: 1
Road Surface Type
Dirt: 1
Gravel: 1
Roof
Shingle: 1
Utilities
Electricity Connected: 1
Water Available: 1
View
Trees/Woods: 1
Water: 1
Water Source
Well: 1
Patio And Porch Features
Covered: 1
Patio: 1
Waterfront Features
Creek: 1
Navigable Water: 1
Interior Features
Breakfast Bar: 1
Ceiling Fan(s): 1
Kitchen Island: 1
Open Floorplan: 1
Primary Bathroom - Shower No Tub: 1
Walk-In Closet(s): 1
DPR Eligible
DPR Eligible: Yes
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
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
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 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 Office: FLORIDA HOMES REALTY & MTG LLC
Source MLS Verified

Last Updated: July - 23 - 2026

Information deemed reliable but not guaranteed.

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