3114 PHINNEY Cove Middleburg, FL $ 875,000
3114 PHINNEY Cove
$ 875,000
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3114 PHINNEY Cove

Middleburg, FL, 32068
$ 875,000
Bedrooms4 Baths3.2 Sq 4,238

Monthly Estimate*

$ 5,388

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Single Family Home for sale in Middleburg, FL

for $875,000 with 4 bedrooms and 3 full baths, 2 half baths. This 4,238 square foot home was built in 2004 on a lot size of 1.69.

Truly One-of-a-Kind Property Featuring a Main House and Private Guest House/ADU. This 1.69 Acres property showcases a beautifully maintained 3-bdr, 2.5-bath main residence spanning 2,538sqft complete with a dedicated office/library and flexible bonus space ideal for work, hobbies, or additional living. IN ADDITION, the property includes an expansive 1-bedroom & 1.5 Bathroom 1,700sqft accessory dwelling unit (ADU) carefully configured into two distinct living areas offering exceptional flexibility for multi-generational living, guests, income potential, or private work and entertainment space. The MAIN HOME welcomes you with an inviting open foyer, living room, and formal dining room, rich hardwood flooring flows throughout, with the exception of the front living room, which features designer-selected carpeting. Plantation shutters throughout including the garage along with crown molding in select areas and rooms, The 3 way split floorplan provides privacy and separation of space. At the heart of the home, the family room serves as a comfortable gathering space, highlighted by a striking stone gas fireplace and custom built-ins that add both distinctive charm and everyday functionality. The kitchen is well-appointed with granite countertops, stainless steel appliances, a gas stove, two pantries, and a light-filled dinette area overlooking the backyard. Just off the kitchen, the spacious primary suite offers a private retreat with dual custom closets and a beautifully designed bathroom featuring separate high vanities positioned across from one another, a walk-in seamless glass-enclosed shower, a Jacuzzi tub, quartz countertops, and elegant lighting. The large laundry room includes a washer and dryer, and the two-car garage features a finished floor shark coating, and Phantom electric screen. The closets throughout the home have been professionally customized by Closet By Design, providing exceptional organization and storage. The sunroom offers 480 sqft of stone tile flooring, a mini-split system, and walls of windows that provide year-round enjoyment and peaceful backyard views. Just beyond, the space opens to a charming pergola retreat perfect for morning coffee, relaxing in the red hammock, or unwinding to the sounds of nature. The outside furniture under the Pergola will be staying. The ADU/Guest House further enhances the property's versatility. One side offers a private one-bedroom guest house complete with a living room, kitchen, full bathroom, laundry room with stackable washer & dryer, and its own entrance. The other side bonus room is ideal for a media room, game room, home gym, office, or additional flex space, and also offers its own entrance, along with a convenient half bath and walk-in closet. The outdoor setting is equally impressive, featuring a fully fenced yard with a combination of black chain link, vinyl, and split rail fencing. A whole-house generator services the main residence, while a portable generator supports the guest house and bonus room for added peace of mind. A sprinkler system maintains the grounds, and all lawn equipment is included, including a riding John Deere mower with trailer, push mower, weed eater, and Craftsman edger. Additional exterior features include a Workshop/Storage building, trailer carport near the work shed, and an enclosed, insulated carport providing versatile covered space. The owners have taken exceptional care of this home, evident in its condition, thoughtful upgrades, and overall attention to detail. Buyers must present a Pre-Approval letter or Proof of Funds prior to making a showing appointment. See the document section for the complete feature list of the home.

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Single Family Active

Price

$ 875,000

Bedrooms

4

Full Bath

3

Half Bath

2

Property Type

Single Family

Taxes

$ 4,013

Style

Craftsman,Multi Generational,Traditional

Lot Size

1.69

Year Built

2004

Town/City

Middleburg

County/Region

Clay

MLS | Web ID

2131136

Features
Interior
Interior Amenities Breakfast Nook Built-in Features Ceiling Fan(s) Entrance Foyer Guest Suite His and Hers Closets In-Law Floorplan Kitchen Island Pantry Primary Bathroom -Tub with Separate Shower Split Bedrooms Walk-I
Flooring Carpet Vinyl Wood
Total Fireplaces 2
Fireplace Features Free Standing Gas
Basement (Y/N) N
Air Conditioning Y/N Y
Heating Y/N Y
Fireplace Y/N Y
Half Baths 2
Laundry Features Electric Dryer Hookup Washer Hookup
Total Bedrooms 4
Total Baths 5
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General
Sewer Public Sewer Septic Tank
Heating Central
Cooling Central Air Split System
Utilities Cable Available Electricity Available Electricity Connected Natural Gas Connected Water Available Water Connected
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher Disposal Dryer Electric Cooktop Electric Oven Electric Range Electric Water Heater Gas Range Microwave Refrigerator Washer Washer/Dryer Stacked
Garage Spaces 2.0
Patio/Porch Features Covered Front Porch Glass Enclosed Porch
Architectural Style Craftsman Multi Generational Traditional
Security Features Security System Owned Smoke Detector(s)
Year Built 2004
Stories Count 1
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Current Use Residential Single Family
Parcel Number 34042500817600300
County Clay
New Construction 0
Property Type Residential
HOA N
Attached Garage Y
Subdivision Name Hutchinson
Garage Y/N Y
Other Structures Guest House Shed(s) Workshop
Total Rooms 0
Full Baths 3
Status Active
Directions I-295 Take exit 10 toward US-17/Roosevelt Blvd onto US-17 S Turn right onto County Road 220 (CR-220 W). Turn right onto Hutchinson Rd. Turn left onto Phinney Cv.
City Middleburg
Senior Community Y/N N
MLS Area 146-Middleburg-NE
Lot Size Units Acres
Lot Size Square Feet 73616.4
Carport Spaces 3.0
Carport Y/N Y
Listing Terms Cash Conventional FHA VA Loan
Property Attached Y/N N
Tax Annual Amount 4013.0
Home Warranty Y/N N
Lease Renewal Y/N N
MLS Area Minor 146-Middleburg-NE
Lease Considered Y/N N
Rent Control Y/N N
Virtual Tour https://www.zillow.com/view-imx/8d9aebe8-d3f5-40dc-ba22-eb8e34dd7862?wl=true&setAttribution=mls&initialViewType=pano
Standard Status Active
Cash True
Conventional True
ADU N
Accessory Dwelling Unit Y/N Y
Water Body Access Y/N None
CDD N
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Exterior
Exterior Amenities Fire Pit
Fencing Fenced Chain Link Full Vinyl Wood
Parking Features Additional Parking Attached Carport Covered Detached Carport Garage Garage Door Opener
Water Source Public Well
Lot Size Area 1.69
Spa N
Lot Size Acres 1.69
Waterfront Y/N N
Crops Included Y/N N
Horse Y/N N
Irrigation Water Rights Y/N N
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Internal Only
Street Number 1 3114
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* Excluded Features
List By
Coldwell Banker Vanguard Realty

Broker

kimking06@gmail.com

Email

Affordability Calculator

$5,722
Per Month
94%
6%
0%
Monthly Principal & Interest
$5,388
Monthly Property Taxes
$334
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
308105 Elementary School
308138 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
2/24/2026$875,000 Listed Price

Map


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3114 PHINNEY Cove, Middleburg, FL, 32068 is a Single Family Home for sale at $875,000 with 4,238 sqft and a lot size of 1.69. 3114 PHINNEY Cove has 4 bedrooms, 3.2 baths, and was built in 2004. The property's zip code is 32068 which is in Middleburg, FL