Middleburg, FL | City Real Estate Market Analysis

Middleburg, Clay County, Florida

City Analysis Real Estate Market FL Clay County

Middleburg

Market Insight

Middleburg, FL Investment Potential Analysis

Market analysis for Middleburg, FL will appear here once data is available. This section will surface investment opportunities, risk assessments, neighbourhood trends, and local real estate insights specific to this market.

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Avg. Home Value

🏠 Median residential property value in Middleburg.

2.80%

Property Tax Rate

🏛️ Effective property tax rate for this market.

$50,293

Avg. Household Income

💵 Average annual household income in the area.

12,375

Population

👥 Total city population estimate.

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Unemployment Rate

📊 Local unemployment vs. national benchmark.

Middleburg, FL Real Estate Market Property Overview

Real estate market overview for Middleburg, FL, Clay County
Population of 12,375
Average household income of $50,293
Property tax rate of 2.80%
Median resident age of 39.80

Property Details

City	Middleburg	State	Florida
County	Clay	Country	USA
Population	12,375	Median Age	39.80
Avg. Household Income	$50,293	Median Home Value	N/A
Unemployment Rate	N/A	Property Tax Rate	2.80%
Top Industries	N/A	Economic Overview	N/A
Coordinates	30.0502, -81.9011	Properties Listed	0

Model investment returns using Middleburg, FL market data as defaults

Purchase Price ($)

Annual NOI ($)

Down Payment (%) 25%

Interest Rate (%) 5.0%

Loan Term (years) 30 years

Property Tax Rate (%) 2.80%

Holding Period (years) 5 years

Annual Appreciation (%) 3.0%

Down Payment Amount:$125,000

Loan Amount:$375,000

Monthly Mortgage:$2,012

Monthly Tax:$490

Total Monthly Payment:$2,502

Monthly Cash Flow:$581

Cash on Cash Return:5.6%

Cap Rate:5.0%

Debt Coverage Ratio:1.23x

IRR (5 years):8.4%

Projected Property Value:$579,637

Total Equity:$234,891

📊Monthly Payment Analysis

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💵Cash on Cash Return

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🚀Internal Rate of Return

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🏛️Property Tax Analysis

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* Calculations use Middleburg, FL median home value as the default purchase price. All figures are estimates only. Consult financial and legal professionals before investing.

Direct Property Ownership

Concentrated exposure to one property and market
Debt service, refinancing, and rate sensitivity
Active leasing, vendor, and asset oversight
Vacancy, capex, and maintenance obligations
Illiquid exit process with timing risk
Transaction costs can compress realized returns

Projected direct ownership outcome Calculating… —

REI Capital Platform Exposure

Passive exposure without direct operator liability
Institutional underwriting and acquisition discipline
Professional asset management and reporting
Strategy designed to reduce single-asset concentration
9% annual target growth projection for comparison
Curated deal flow with a passive capital framework

Projected platform exposure at 9% target Calculating… —

Projected difference —

Calculating the comparison…

* REI Capital Growth uses a 9% target annual growth projection for comparison only. Returns are not guaranteed and actual results may vary. Consult a financial professional before making investment decisions.

Accredited Investors

Deploy capital into a professionally managed real estate strategy without taking on daily operator responsibilities.

Family Offices

Evaluate long-duration CRE exposure with an emphasis on underwriting discipline and capital preservation.

1031 Exchange Buyers

Compare direct replacement ownership against passive alternatives with reduced operational complexity.

High-Income Professionals

Access commercial real estate exposure while preserving time, focus, and liquidity for core priorities.

Where Your NOI Goes Each Month

* Distribution based on current inputs. Actual expenses may vary.

ROI Over Time: Direct Ownership vs REI Capital

* Property return uses a conservative 3.8%–4.2% annual capital appreciation assumption. REI Capital uses a 9% target projection. Returns are not guaranteed.

Deployment Scenario Analysis

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Same starting capital. Compare a direct ownership path against passive capital deployment through REI Capital.

Direct ownership (3.8%–4.2% appreciation) REI Capital (9% target)

* "Direct ownership" shows the same down payment growing at the selected 3.8%–4.2% annual capital appreciation rate. "REI Capital" shows the same down payment growing at 9% annual target. Returns are not guaranteed.

Allocation Rationale

Why sophisticated investors choose passive CRE exposure

Direct ownership can be powerful, but it also concentrates capital, time, and execution risk into one asset. Passive CRE exposure helps investors participate in professionally managed real estate strategies while reducing the operational burden of owning the property themselves.

Professional underwriting before capital deployment
Reduced exposure to single-asset operational demands
Access to institutional sourcing and asset management
Passive framework built for long-term capital strategy
Clearer comparison against direct ownership costs
Time-efficient exposure for qualified investors

Investor Materials

A more efficient way to deploy capital

The analysis above is only the starting point. Review the REI Capital investment materials to understand the acquisition strategy, underwriting framework, risk controls, and investor onboarding process behind the 9% target projection.

Acquisition strategy & deal flow
Underwriting and risk framework
Platform team and execution process
Investor qualification and next steps

Access Investment Materials

For qualified investors · Private overview · PDF access

Investment Due Diligence For Middleburg, FL Income Property

Key questions for informed investment decisions

What's the overall investment outlook for Middleburg, FL, considering its demographics and economy? +

Middleburg's median household income of $50,293, combined with a relatively low poverty rate of 12.9% and high health insurance coverage of 84.2%, suggests a stable market with a strong foundation for rental income. The top industries, including Public Administration and Finance & Insurance, also indicate a diverse economy, which can contribute to market stability. Additionally, the city's ethnic diversity, with a majority of White and White Non-Hispanic populations, and a significant Hispanic presence, can attract a wide range of tenants.

How does the commute time and transportation infrastructure impact the quality of life for residents and potential tenants in Middleburg? +

The average commute time of 39.1 minutes in Middleburg, although somewhat lengthy, is mitigated by the fact that the top commute methods include driving alone, carpooling, and working from home, indicating some flexibility in transportation options. This, coupled with a high health insurance coverage rate of 84.2%, suggests that residents have access to stable employment and healthcare, contributing to an overall decent quality of life. The relatively high median property value of $121,900 also implies a certain level of desirability and investment potential in the area.

What role does the local economy, including top industries and employment rates, play in determining the viability of real estate investments in Middleburg? +

The employed population of 5,601 and top industries such as Public Administration, Finance & Insurance, and Manufacturing contribute to a diverse and relatively stable local economy in Middleburg. This diversity, along with a median household income of $50,293 and a poverty rate of 12.9%, indicates a market with a mix of working-class and potentially more affluent residents, suggesting opportunities for various types of real estate investments. The GINI coefficient of 0.41 also points to a level of income inequality, which investors should consider when assessing potential tenant bases and property values.

How do the housing market conditions, including property values and taxes, influence the attractiveness of Middleburg for real estate investors? +

Middleburg's median property value of $121,900 and median property taxes of $3,427 present a relatively affordable investment landscape. When combined with the high homeownership rate of 81.6%, these factors suggest a strong demand for housing and potential for appreciation in property values over time. Additionally, the city's ethnic diversity and the presence of industries like Finance & Insurance could support a stable and growing housing market, making it an attractive location for investors looking for long-term gains.

What insights can be gleaned from Middleburg's demographic and economic data regarding the potential for rental yields and property appreciation? +

The combination of Middleburg's median age of 39.8, median household income of $50,293, and a significant employed population suggests a demographic with the potential for stable rental income. The poverty rate of 12.9% and health insurance coverage of 84.2% further indicate a level of economic stability among residents. Considering the top industries and the relatively high median property value, there's potential for property appreciation, especially if investors can capitalize on the demand from the diverse and employed population, thereby generating decent rental yields and long-term investment growth.

What are some of the best neighborhoods to live in Middleburg? +

Some of the best neighborhoods to live in Middleburg include Asbury Lake, Foxmeadow, The Ravines, and Linda Lakes. These neighborhoods offer a range of housing options, from spacious homes to scenic views, and are known for their natural beauty and secure living environments.

What are some fun things to do in Middleburg? +

Middleburg offers a variety of outdoor activities, such as exploring Jennings State Forest, visiting the Saint Luke Catholic Church, and enjoying water sports on Black Creek. You can also visit the Clay County Fair, take a painting class at Let's Create Studios, or go fishing at Doctors Lake Park. Additionally, the nearby city of Orange Park has a range of attractions, including the Orange Park Mall and the Eagle Landing Golf Club.

What is the food scene like in Middleburg? +

The food scene in Middleburg is diverse and vibrant, with a range of restaurants serving everything from Italian cuisine to tacos and tequila. Some popular restaurants in the area include Birdie's Dinner and Dessert, La Catrina Tacos And Tequila Bar, and Grumpy's Restaurant. You can also find healthy options at Verde Vida Healthy Kitchen or try some Southern comfort food at The Grove at OPCC.

What are the pros and cons of living in Middleburg? +

The pros of living in Middleburg include its natural beauty, with plenty of outdoor spaces and waterways to enjoy, as well as its range of housing options and vibrant food scene. However, some cons include the area's rural location, which can make it difficult to access major highways and amenities, and the potential for traffic and congestion in certain areas. Additionally, the cost of living in Middleburg can be relatively high, especially when it comes to housing and transportation.

Is Middleburg a good place to live? +

Overall, Middleburg can be a great place to live for those who value natural beauty, outdoor activities, and a strong sense of community. While it may have some drawbacks, such as its rural location and higher cost of living, the area's many amenities and attractions make it an attractive option for families, retirees, and young professionals alike. As with any place, it's essential to weigh the pros and cons and consider your individual needs and preferences before deciding whether Middleburg is the right fit for you.

Things Near Middleburg, FL

Metro Center Station

0.2 miles

Grand Central Market

0.4 miles

About Middleburg

Middleburg, FL is a market that tends to attract investors looking for stability, with a median household income of $50,293 and a relatively high homeownership rate of 81.6%. The population of 12,375, with a median age of 39.8, suggests a mix of established families and younger residents. However, the 12.9% poverty rate suggests some risk, particularly in certain segments of the community. The average commute time of 39.1 minutes is a bit longer than some might like, but the fact that 84.2% of residents have health insurance coverage is a positive indicator of the overall quality of life. The top industries, including Public Administration, Finance & Insurance, and Manufacturing, provide a diverse economic base. The median property value of $121,900 and median property taxes of $3,427 are relatively affordable, which could make the area attractive to investors looking for value. The ethnic diversity, with 47.3% of residents identifying as White and 2.1% as Hispanic, adds to the community's character. While there are opportunities for investment, the market's relatively slow growth and limited job opportunities in certain sectors may pose challenges. Overall, Middleburg, FL seems like a solid choice for investors who are looking for a stable, affordable market with a strong sense of community.

Population 12,375

Median Age 39.80

Avg. Household Income $50,293

Similar Properties Near Middleburg, FL

Investor Materials

Access the REI Capital investment overview

Review the acquisition strategy, underwriting framework, risk considerations, and investor onboarding process in one private PDF.

Access Investment Materials

CRE Admin

Middleburg, FL | City Real Estate Market Analysis

Middleburg, FL Investment Potential Analysis

Middleburg, FL Real Estate Market Property Overview

Property Details

Direct ownership vs. passive CRE platform exposure

Built for investors evaluating passive commercial real estate exposure

Accredited Investors

Family Offices

1031 Exchange Buyers

High-Income Professionals

Where Your NOI Goes Each Month

ROI Over Time: Direct Ownership vs REI Capital

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Why sophisticated investors choose passive CRE exposure

A more efficient way to deploy capital

Investment Due Diligence For Middleburg, FL Income Property

Things Near Middleburg, FL

Metro Center Station

Grand Central Market

About Middleburg

Similar Properties Near Middleburg, FL

Access the REI Capital investment overview

Middleburg, FL | City Real Estate Market Analysis

Middleburg, FL Investment Potential Analysis

Middleburg, FL Real Estate Market Property Overview

Property Details

Direct ownership vs. passive CRE platform exposure

Built for investors evaluating passive commercial real estate exposure

Accredited Investors

Family Offices

1031 Exchange Buyers

High-Income Professionals

Where Your NOI Goes Each Month

ROI Over Time: Direct Ownership vs REI Capital

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Why sophisticated investors choose passive CRE exposure

A more efficient way to deploy capital

Investment Due Diligence For Middleburg, FL Income Property

Things Near Middleburg, FL

Metro Center Station

Grand Central Market

About Middleburg

Similar Properties Near Middleburg, FL

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