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$875,000
11 Days On Site

3114 PHINNEY Cove
Middleburg, FL 32068

For Sale|Single Family Residence|Active
4
Beds
5
Total Baths
3
Full Baths
2
Partial Baths
4,238
SqFt
$206
/SqFt
2004
Built
Subdivision:
Hutchinson
County:
Clay
Listing courtesy of KIM KING of COLDWELL BANKER VANGUARD REALTY
3114 PHINNEY Cove3114 PHINNEY Cove3114 PHINNEY Cove3114 PHINNEY Cove
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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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Listing Snapshot
Price 
$875,000
Days On Site 
11 Days
Bedrooms 
4
Inside Area (SqFt) 
4,238 sqft
Total Baths 
5
Full Baths 
3
Partial Baths 
2
Lot Size 
1.69 Acres
Year Built 
2004
MLS® Number 
2131136
Status 
Active
Property Tax 
$4,013
HOA/Condo/Coop Fees 
N/A
Sq Ft Source 
Public Records
Friends & Family
Recent Activity
a week agoStatus changed to Active
a week agoListing updated with changes from the MLS®
2 weeks agoListing first seen on site
General Features
Acres 
1.69
Additional Property Use 
ResidentialSingle Family
Attached Garage 
Yes
Carport 
3
Garage 
Yes
Garage Spaces 
2
Levels 
One
Number Of Stories 
1
Parking 
Additional ParkingAttachedCarportCoveredDetached CarportGarageGarage Door Opener
Property Sub Type 
Single Family Residence
Security 
Security System OwnedSmoke Detector(s)
Sewer 
Public SewerSeptic Tank
Special Circumstances 
Standard
Style 
CraftsmanMulti GenerationalTraditional
Utilities 
Cable AvailableElectricity AvailableElectricity ConnectedNatural Gas ConnectedWater AvailableWater Connected
Water Source 
PublicWell
Interior Features
Appliances 
DishwasherDisposalDryerElectric CooktopElectric OvenElectric RangeElectric Water HeaterGas RangeMicrowaveRefrigeratorWasherWasher/Dryer Stacked
Cooling 
Ceiling Fan(s)Central Air
Fireplace 
Yes
Fireplace Features 
Free StandingGas
Fireplaces 
2
Flooring 
CarpetVinylWood
Heating 
Central
Interior 
Built-in FeaturesCeiling Fan(s)Entrance FoyerHis and Hers ClosetsIn-Law FloorplanKitchen IslandPantryWalk-In Closet(s)
Laundry Features 
Electric Dryer HookupWasher Hookup
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Exterior Features
Exterior 
Fire Pit
Fencing 
FencedChain LinkFullVinylWood
Other Structures 
Guest HouseShed(s)Workshop
Patio And Porch 
CoveredFront PorchGlass EnclosedPorch
Roof 
Shingle
Community Features
Financing Terms Available 
CashConventionalFHAVA Loan
MLS Area 
146-Middleburg-NE
Listing courtesy of KIM KING of COLDWELL BANKER VANGUARD REALTY



Listing information is provided by Participants of the Northeast Florida Multiple Listing Service(dba realMLS). IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2026, Northeast Florida Multiple Listing Service(dba realMLS).
Last checked: 2026-03-04 07:29 AM UTC

Neighborhood & Commute
Source: Walkscore
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855-299-SOLD
855-299-7653