3910 GAREYS FERRY WAY, MIDDLEBURG, FL, 32068
Active310 days on marketListed Nov 14, 2025MLS #G5104519
About this home
3910 GAREYS FERRY WAY
Under Construction. Sample Image Introducing the Avalon II 'H' - a stunning new home model that exemplifies modern luxury living. This spacious residence boasts an impressive 2,874 square feet of thoughtfully designed living space, offering the perfect blend of style, comfort, and functionality. One of the standout features is its 5 bedrooms and 4 full bathrooms, providing ample room for families or those who enjoy having dedicated spaces for guests. The open-concept layout seamlessly integrates the living, dining, and kitchen areas, creating an inviting and cohesive environment for entertaining or simply enjoying quality time with loved ones. Beyond its generous square footage and well-appointed rooms, a true showcase of exceptional craftsmanship and attention to detail. From the gourmet kitchen with high-end appliances and quartz countertops to the luxurious bathrooms adorned with premium finishes, every aspect of this home has been designed to elevate your living experience.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,874
Sqft
0.21 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$209
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,733 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,283/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+14.2%
$/sqft vs Middleburg actives
$209 vs $183
Days on market
310 vs 15 typical
Where $209/sqft sits among the 15 Middleburg actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Middleburg
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Middleburg market
$336K → $416K
Middleburg median sold, yr/yr
99.3%
Sale-to-list ratio (12 mo)
6 of 15
Middleburg actives have cut their price
Median sold price, Middleburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 118% above the MIDDLEBURG 32068 median. See the full Middleburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3910 GAREYS FERRY WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$419,340
2238 BRANNINGS SAWMILL COURT · same community
5 bd · 4 ba · 2,874 sqft · $146/sqft · 0 DOM
Sold · May ’26$529,990
2277 BRANNINGS SAWMILL COURT · same community
4 bd · 3 ba · 2,754 sqft · $192/sqft · 0 DOM
Sold · Mar ’26$550,990
2454 JENNINGS FARM DRIVE · same community
4 bd · 3 ba · 2,754 sqft · $200/sqft · 48 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.
Your agent
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3910 GAREYS FERRY WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3910 GAREYS FERRY WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3910 GAREYS FERRY WAY FAQs
What would the monthly payment be for 3910 GAREYS FERRY WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,733/mo — principal and interest, estimated property taxes, the $110/mo association fee 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.
How much are the HOA fees at 3910 GAREYS FERRY WAY?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3910 GAREYS FERRY WAY?+
The most recent tax bill on record (2024) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3910 GAREYS FERRY WAY?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Middleburg?+
At $599,990, this home is listed about 82% above the Middleburg median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3910 GAREYS FERRY WAY?+
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
Four things that matter here
01Positioned at the premium end
$599,990 runs 118% above the MIDDLEBURG 32068 median — but at 2,874 sqft it's also 45% larger than the typical Middleburg listing.
02Time on market is leverage
310 days on market against a Middleburg median of 15 — 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.
04The price has already moved
Listed at $754,669, now $599,990 — a $155K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Nancy Pruitt, PA. MLS #G5104519.
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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