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3114 Phinney Cove, Middleburg, FL 32068

$875,000

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Property Description

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 a

3114 Phinney Cove | MLS# 2131136

This single family home located at 3114 Phinney Cove, Middleburg, FL 32068 is currently listed for sale with an asking price of $875,000. This property was built in 2004 and has 4 bedrooms and 3 full and 2 partial baths with 4238 sq. ft. Phinney Cove is located in the Hutchinson subdivision. Search Hutchinson real estate on www.signwithsanford.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air, Split System
Fenced: Yes
Fireplaces: 2
Heating: Central
Home Style: Craftsman, Multi Generational, Traditional
Lot Size: 1.69 Acres
Roof Type: Shingle
Taxes: $4,013
Year Built: 2004
Square Feet: 4,238

Feature Descriptions

Security: yes
Sewer: Public Sewer, Septic Tank

Listed By / Shown By

Listed By

Agency Name: COLDWELL BANKER VANGUARD REALTY

Shown By

Agent Name: The Sanford Group
Agent Phone: Cell: (904) 868-9651
Agency Title: Watson Realty Corp., REALTORS ®

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Estimated Payment

$ 4,809.01 per month $4,219.38 Principal & Interest $334.42 Property Tax $255.21 Homeowner's Insurance

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers 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 on this site was last updated 03/03/2026. The listing information on this page last changed on 03/03/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Tue 03/03/2026 12:00:00 AM EST) or GAMLS (last updated Mon 03/02/2026 11:14:53 PM EST) or Stellar MLS (last updated Mon 03/02/2026 11:44:09 PM EST) or SPC MLS (last updated Mon 03/02/2026 11:20:25 PM EST) or Martin MLS (last updated Mon 03/02/2026 11:38:10 PM EST) or Indian River MLS (last updated Mon 03/02/2026 11:30:22 PM EST) or Daytona MLS (last updated Mon 03/02/2026 11:36:41 PM EST) or Northeast Florida MLS (last updated Mon 03/02/2026 11:58:41 PM EST) or Beaches MLS (last updated Mon 03/02/2026 11:55:48 PM EST) or BORMLS (last updated Mon 03/02/2026 11:14:58 PM EST) or Golden Isles MLS (last updated Mon 03/02/2026 11:26:31 PM EST) or Amelia/Nassau MLS (last updated Mon 03/02/2026 11:25:14 PM EST) or Dixie Gilchrist Levy MLS (last updated Mon 03/02/2026 11:42:21 PM EST). Real estate listings held by brokerage firms other than Watson Realty Corp., REALTORS ® may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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