Black Creek Trail

2695 PRIMROSE Cir

Middleburg, FL 32068
For Sale $414,900
Price cut $439,000 ↓ $24,100 (5.5%) Sep 29 · reduced 2×
3 bd · 2 ba · 1,994 sqft · Built 2023
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of ERA ONETEAM REALTY (chrisvining@mac.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome home to this spacious 3-bedroom, 2-bath home with a 2-car garage situated on 1.69 acres of peaceful country living. The desirable split-bedroom floor plan provides added privacy for the primary suite, while the open-concept living, dining, and kitchen areas create a bright, comfortable space ideal for everyday living and entertaining. Enjoy the freedom of NO HOA and NO CDD fees, with plenty of room for your boat, RV, ATVs, trailers, and other recreational toys. The property also features a water treatment system for added convenience. Located on a paved road with plenty of outdoor space, this home offers privacy and tranquility while still being convenient to shopping, schools, parks, and major roadways. A great opportunity to enjoy acreage without sacrificing everyday convenience.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $14,522
$3,665/mo
Principal & interest$2,776
Property tax (est.)$394
Insurance (est.)$311
FHA MIP$184
HOA dues$0
CDD assessment$0
Cash to close: ~$14,522 down · MIP financed
VA
$0 down
$3,594/mo
Principal & interest$2,888
Property tax (est.)$394
Insurance (est.)$311
VA fee (financed)$0
HOA dues$0
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $82,980
$2,967/mo
Principal & interest$2,262
Property tax (est.)$394
Insurance (est.)$311
PMI$0
HOA dues$0
CDD assessment$0
Cash to close: ~$82,980 down

Rate: 7.240% (Freddie Mac 30-yr avg, as of Oct 29, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.56% effective millage. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2023
Heated area1,994 sq ft
Lot size172,541 sq ft
SubdivisionBLACK CREEK U
Parcel (RE#)32-05-24-006698-085-00
Legal descriptionLOT 10 BLK 133 BLACK CREEK PAR

Valuation · 2025

Value

Just / Market
$425,000
Assessed
$331,539
Taxable
$280,817
2025 Property Tax
$4,388
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

History

Sale History

DatePriceDeed
2024-02-01 $400,000

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Black Creek Trail? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Black Creek Trail every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

Don't want to list? Get a cash offer from My Fair Market Offer.

My Fair Market Offer is our sister company and a direct cash home buyer in Jacksonville and NE Florida. Sell as-is with no repairs, no showings and no commission — useful if you need to close on a date certain. Same owner, same phone, no obligation either way.

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On the Market

Homes for Sale in Black Creek Trail

Other active MLS listings in Black Creek Trail.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 2695 PRIMROSE Cir?
The zoned public schools for 2695 PRIMROSE Cir in Black Creek Trail are Middleburg Elementary School (elementary), Wilkinson Junior High School (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 2695 PRIMROSE Cir?
The most recent annual property tax for 2695 PRIMROSE Cir is about $4,388 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
When did 2695 PRIMROSE Cir last sell?
2695 PRIMROSE Cir last sold on February 1, 2024 for $400,000. Full sale history is shown on this page.
How big is 2695 PRIMROSE Cir?
2695 PRIMROSE Cir is a 1,994 sq ft home built in 2023 in Black Creek Trail, Clay County, FL.
What would the monthly payment be on 2695 PRIMROSE Cir?
At about a 7.24% 30-year rate, the estimated monthly payment for 2695 PRIMROSE Cir is roughly $2,967 with a conventional loan (20% down), $3,665 with FHA (3.5% down), or $3,594 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Black Creek Trail HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.