About This Home

This 3-bedroom, 2-bathroom single family at 4296 BANKS Road in Middleburg, FL is listed for $474,500 ($409 per sqft). Built in 1996, the home offers 1,160 sqft of living space on a 1.11 acres lot.

Key Features

  • Built in 1996
  • 1.11 acre lot
  • 2 stories
  • Waterfront

Property Details

2 stories
2 full
2-car garage
1996

Amenities

WaterfrontViewA/C
Listing 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

Monthly Cost Estimate

$2,538/mo

20% down · 6.5% · 30 years

Principal$343
Interest$2,056
Insurance$138

Estimates only. Actual payments may vary.

Location

4296 BANKS Road

Middleburg, FL 32068

**verifying Subd**

Features & Amenities

Interior Features

Breakfast BarCeiling Fan(s)Kitchen IslandOpen FloorplanPrimary Bathroom - Shower No TubWalk-In Closet(s)

Exterior Features

Balcony

Property Details

Flooring

Carpet

Views

Water

Outdoor Features

Patio

Parking

Garage

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalElectric OvenElectric Water HeaterMicrowaveRefrigerator

Questions & Answers

This 3-bedroom, 2-bathroom single family at 4296 BANKS Road is listed at $474,500 ($409/sqft). The estimated monthly payment is $2,537 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1996, 1.11 acre lot, 2 stories, Waterfront. Interior Features: Breakfast Bar, Ceiling Fan(s), Kitchen Island. Exterior Features: Balcony.

This property is listed by MICHELLE SHERRILL.

MS

MICHELLE SHERRILL

Agent at Florida Homes Realty and Mortgage

Listed by Florida Homes Realty and Mortgage · Broker phone: (904) 363-8395 · View on Broker Site · Broker website

MLS# 2156690· Source: realMLS· 98 days on PropertySimple

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.

4296 BANKS Road, Middleburg, FL 32068

Open this listing in: