David Ramirez
Pending

2745 POINSETTIA AVENUE, MIDDLEBURG, FL, 32068

Pending13 days on marketListed Jul 29, 2026MLS #TB8534016

Priced 48% below the MIDDLEBURG 32068 medianBLACK CRK PARK 01

About this home

2745 POINSETTIA AVENUE

Two Adjoining Buildable Parcels Totaling Approximately 2.21 Acres in Middleburg! Offered together, these separately deeded parcels contain approximately 96,397 combined square feet. Each parcel is individually buildable and may accommodate one residence, offering the opportunity to construct Two homes, build on one parcel while retaining the second, or create one larger residential property. Mobile and Manufactured homes, site-built homes, Modular homes, and Barndominiums are allowed. Electricity is available at the street. No HOA, no CDD, and located in Flood Zone X. Qualified buyers may purchase these parcels with as little as 20% Down payment. The property includes a Corner parcel and offers approximately 329 feet of combined frontage along State Road 21/Blanding Boulevard, plus approximately 293 feet along paved Poinsettia Avenue. Located in Black Creek Park and surrounded by established residences. Convenient access to Middleburg, Orange Park, Fleming Island, Green Cove Springs, and Jacksonville. The Middleburg Main Street Boat Ramp provides boating and fishing access to Black Creek and the St. Johns River. Jennings State Forest, Doctors Lake, parks, shopping, schools, and Ascension St. Vincent’s Clay County Hospital are also within convenient driving distance. Jacksonville Beach, Ponte Vedra Beach, and historic St. Augustine are approximately one hour away. An excellent opportunity for homebuyers, builders, or investors seeking two buildable parcels in growing Clay County.

Facts & features

The home at a glance

2.21 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$731/yr

Utilities & systems

UtilitiesCable Available · Electrical Nearby · Electricity Available
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,037 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$759
FHA mortgage insurance (est.)$57
Property tax — 2025 actual bill$61
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,515Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,515
Interest rate6.00%
Loan term

Estimated payment

$1,037/mo

Principal & interest$759
FHA mortgage insurance (est.)$57
Property taxes (actual bill)$61
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Middleburg

Map of 2745 POINSETTIA AVENUE

Get to know Middleburg. See the full Middleburg guide →

MIDDLEBURG 32068 — neighborhood snapshot

Population

58,196

Median age

38.2

Median income

$82,410

Median home value

$264,300

Avg household

2.81

Households w/ children

7,692

For the school run

Clay County School District

ElementaryCoppergate Elementary School★★★★★
HighMiddleburg High School★★★★★
MiddleLake Asbury Junior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Middleburg market

Seller’s marketSeller’s market1.3 months of inventoryBuyer’s market

$336K$416K

Middleburg median sold, yr/yr

99.3%

Sale-to-list ratio (12 mo)

Median sold price, Middleburg, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 48% below the MIDDLEBURG 32068 median. See the full Middleburg market guide →

Paper trail

This home's history

Jul 29, 2026Listed at $129,000 · 13 days on market since

Reality check

What actually sold near 2745 POINSETTIA AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2755 INDIGO CIRCLESold · Mar ’26

$315,000

2755 INDIGO CIRCLE

3 bd · 2 ba · 1,452 sqft · $217/sqft · 20 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2745 POINSETTIA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2745 POINSETTIA AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

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Goes straight to David’s phone and CRM.

Straight answers

2745 POINSETTIA AVENUE FAQs

What would the monthly payment be for 2745 POINSETTIA AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,037/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 2745 POINSETTIA AVENUE?+

The most recent tax bill on record (2025) was $731. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Middleburg?+

At $129,000, this home is listed about 64% below the Middleburg median of $359,950. The market section on this page shows how the area is trending.

Which schools are assigned to 2745 POINSETTIA AVENUE?+

Coppergate Elementary School (elementary), Middleburg High School (high), Lake Asbury Junior High School (middle) — Clay County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the MIDDLEBURG 32068 market on paper

$129,000 is 48% below the MIDDLEBURG 32068 median of $249,000.

02Time on market is leverage

13 days on market against a Middleburg median of 3 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Coppergate Elementary School, Middleburg High School, Lake Asbury Junior High School — Lake Asbury Junior High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of PLANTATION REALTY, INC. · Carol Villani. MLS #TB8534016.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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2745 POINSETTIA AVENUE, MIDDLEBURG, FL — $129,000 | CENTURY 21 Edge