Active·79 days on market
1071 Wetland Ridge Circle
Middleburg, FL 32068
About this home
Middleburg
* Ask about seller credit for repairs * Welcome to your future home in the sought-after Pine Ridge neighborhood! This spacious 2-story beauty offers 5 bedrooms, 2.5 baths, and 2,592 sq ft of well-designed living space. Built in 2014, this home features an open-concept kitchen with a walk-in pantry, a generous family room, and a versatile front room that is currently used as a home office but could also be turned into a formal dining area. All bedrooms and the laundry room are conveniently located upstairs, including a large primary suite with a spa-like ensuite bath—complete with a soaking tub, separate shower, and a huge walk-in closet. The backyard is perfect for entertaining or relaxing, and the 2-car attached garage offers plenty of storage. Situated nearby top-rated schools, and even though cosmetic updates are needed (especially flooring and paint), this home is full of potential.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $353,016 | $189,613 | — |
| 2024 | $367,171 | $183,562 | — |
| 2023 | $371,067 | $176,760 | — |
| 2022 | $323,666 | $170,156 | — |
| 2021 | $241,018 | $163,744 | — |
| 2020 | $231,974 | $159,616 | — |
2024 property taxes (current owner): $5,596/yr
Estimated taxes if purchased at asking price: ~$7,300/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,784 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
History
Price & status history
- May 4, 2026Listed$399,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FREEDOM REALTY GROUP LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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