Black Creek Trail

4819 GOPHER Cir

Middleburg, FL 32068
For Sale $45,000
Price cut $50,000 ↓ $5,000 (10%) Sep 5
Bryce Spraggins — The HOA Collective
Schedule a Showing

Pick a time that works and it's booked — no phone tag.

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 FLORIDA HOMES REALTY & MTG LLC (michellekoester02@gmail.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

MOTIVATED TO SELL. You have the option to purchase the adjacent listed property as well. Beautiful parcel located in Middleburg with No HOA. Easy access to the toll road. Very quiet neighborhood. Plenty of space to build on with lots of privacy.
As to the lot details and wetlands please see the attached survey of the lot which also includes a full topo.

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 · $1,575
$355/mo
Principal & interest$301
Property tax (est.)$0
Insurance (est.)$34
FHA MIP$20
HOA dues$0
CDD assessment$0
Cash to close: ~$1,575 down · MIP financed
VA
$0 down
$347/mo
Principal & interest$313
Property tax (est.)$0
Insurance (est.)$34
VA fee (financed)$0
HOA dues$0
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $9,000
$279/mo
Principal & interest$245
Property tax (est.)$0
Insurance (est.)$34
PMI$0
HOA dues$0
CDD assessment$0
Cash to close: ~$9,000 down

Rate: 7.240% (Freddie Mac 30-yr avg, as of Oct 29, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.85% 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

TypeVacant Residential
Lot size42,993 sq ft
SubdivisionBLACK CREEK U
Parcel (RE#)32-05-24-006698-811-00
Legal descriptionLOT 28 BLK 157 BLACK CREEK PAR

Valuation · 2025

Value

Just / Market
$50,000
Assessed
$32,210
Taxable
$32,210
2025 Property Tax
$596
Homestead Exemption
No

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

No recorded sale history is on file for this property.

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

Nearby Private 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.

Get a Cash Offer myfairmarketoffer.com

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 4819 GOPHER Cir?
The zoned public schools for 4819 GOPHER Cir in Black Creek Trail are J.L. Wilkinson 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 4819 GOPHER Cir?
The most recent annual property tax for 4819 GOPHER Cir is about $596 (2025 tax year). Any CDD assessment is billed in addition.
What would the monthly payment be on 4819 GOPHER Cir?
At about a 7.24% 30-year rate, the estimated monthly payment for 4819 GOPHER Cir is roughly $279 with a conventional loan (20% down), $355 with FHA (3.5% down), or $347 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.