3114 Phinney CoveMiddleburg, FL 32068Sale Price: $875,000

  • Sale Price: $875,000
  • 62 Days Since Sale
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$/month over payments
Federal 30-year interest rate: 6.36% last updated on May 14, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $875,000Sale Price
  • 4Bedrooms
  • 3Full Bath
  • 2Half Baths
  • 4,238Square Feet

Listing Tools

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.

Property Details of 3114 Phinney Cove

Property Details

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Mortgage Calculator


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Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.36% last updated on May 14, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by KIM KING of COLDWELL BANKER VANGUARD REALTY

Listing Sold by IRON VALLEY REAL ESTATE NORTH FLORIDA

 "Based on information submitted to Northeast Florida Association of REALTORS as of May 19, 2026 1:47 PM EDT . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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