Located in the highly desirable Black Creek Harbor community, this homesite on Charter Pointe Way offers a rare opportunity to build your dream waterfront home in Middleburg. Priced at $99,000, this partially cleared lot is ideally positioned on Black Creek-a freshwater river that connects to the St. Johns River and provides access all the way to the ocean, making it perfect for boating and outdoor enthusiasts. The property is ready for development, with building plans available and a general contractor in place. The home must be elevated construction on pylons or columns and will require a no-rise study. Enjoy the peaceful, natural surroundings of Black Creek Harbor while still being conveniently located near shopping, dining, and major roadways. Whether you're building now or investing for the future, this property offers strong potential in a sought-after waterfront community. Seller is the listing broker. Owner financing may be available with 50% down.
Vacant landProperty Type
1.48 acresLot Size
$63,514Price/Acres
Listed by STANLEY BISHOP• NORTH FLORIDA REALTY ADVISORS
Listed by AMBER TAYLOR• HERRON REAL ESTATE LLC
Bought with STANLEY BISHOP• NORTH FLORIDA REALTY ADVISORS
All land designated as Zone AR-2 is subject to the regulations of this Section as well as Sec. 20.3-10. Such areas have been established in order to protect the lands best suited for rural estates purposes. The purpose and intent of the AR-2 District is to provide a transition between the agricultural areas and the more urban residential communities; and to create a rural residential environment wherein natural constraints applicable to development can be recognized and protected in a manner compatible with the needs of the resident.
Permitted uses
Include but are not limited to:
Housing-Single unit
Property details
Exterior
Pool Features
No
Property Information
Waterfront Features: Creek, Ocean Access, River Access
Property Sub Type: Unimproved Land
Current Use: Residential, Single Family
Lot Information
Lot Features: Cul-De-Sac, Wetlands, Wooded
Road Surface Type: Asphalt
Lot Size Acres: 1.48
Lot Size Area: 1.48
Lot Size Units: Acres
Waterfront
Financial
Tax Information
Tax Annual Amount: $762.63
Tax Year: 2025
Financial Information
Buyer Financing: Seller Financing
Utilities
Utility Information
Sewer: Private Sewer
Utilities: Electricity Available
Location
Community Information
No
Public facts
Beds: —
Baths: —
Sq. Ft.: —
Stories: —
Lot Size: 1.54 acres
Style: Vacant Land
Year Built: —
Year Renovated: —
County: Clay County
APN: 12-05-24-006219-000-14
Home facts updated by county records on Oct 15, 2026
Around this home
Schools
Middleburg Elementary School
Public PreK-6 • Assigned • 0.8mi
6/10
Lake Asbury Junior High School
Public 7-8 • Assigned • 3.7mi
6/10
Middleburg High School
Public PreK-12 • Assigned • 1.1mi
5/10
Provided by GreatSchools
Climate risks
9/10 Flood Factor
Estimated 80%+ chance of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.31% chance of being in a wildfire in next 30 years
8/10 Heat Factor
7 days above 108° expected this year, 18 days in 30 years
9/10 Wind Factor
99% chance of strong winds in next 30 years
3/10 Air Factor
3 unhealthy days expected this year, 3 days in 30 years
Provided by First Street
Historical weather
Middleburg, FL • 32068
Average low and high temperatures (°F)
64
40
72
47
78
53
83
59
88
67
91
71
94
74
91
74
87
69
81
62
77
53
69
47
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
90/ 100
Exceptional sunlight
Sunscore
This home receives average direct sun exposure in Middleburg. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
8.7 hrs
6.2 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$98,000 – $118,000
Sell confidently with a local market expert in Middleburg.