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Sold·Closed Aug 19, 2025·2 days on market

2990 Ravines Road 1404

Middleburg, FL 32068

$118,500sold priceListed at $124,900 · 94.9% of asking$140/sqftMLS# 2101054
1
Beds
2
Baths
848
Sq Ft
1983
Built
—
Garage
No
Pool
HOA $300/mo436 sqft lotCondominium1 story

About this home

Middleburg

The Condos at The Ravines in Middleburg offer buyers their own piece of nature for an affordable price! This ground floor 1 bed 2 full bathroom studio style condo is completely move in ready! The units kitchen has been updated and comes with white shaker cabinets and new luxury vinyl plank flooring. Enjoy your morning coffee on the back balcony while taking in nature or at your breakfast bar with the mornings natural light coming through the oversized sliding glass door. The Ravines is a gated community with a security guard offering peace and privacy. The Ravines association has amenities such as a playground, nature trails for jogging or walking, picnic areas, and pet clean up stations. This property is perfect for first time home buyers or for a second home for weekend getaways. Close to Jennings State Forest , Black Creek Ravines Conservation area and several other preserves and parks there is no shortage of places nearby to take in all Florida's nature has to offer.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$656
Property taxesest. at asking price, Clay County$182
HOAbilled monthly$300
Estimated total, before insurance$1,138/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,248/yr · $104/mo
  • • 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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$118,500
$23,700
Loan Term
Monthly Payment
$656
Principal & Interest: $656
Property taxes (est.): $182
Insurance (est.): $79
Estimated Total Monthly
$917
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,248/yr

Estimated taxes if purchased at asking price: ~$2,200/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, NEFMLS.

History

Price & status history

  • Jul 29, 2025Listed$124,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$124,900
Price / Sq Ft$147
Bedrooms1
Bathrooms2.00
Full Baths2
Square Footage848
Total Structure Area917 sq ft
Acres0.01 acres
Year Built1983
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address2990 Ravines Road 1404, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionThe Ravines
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size435.6 sq ft
Parcel Number13052402138805537
ZoningCondominium

Amenities

AmenitiesGated, Jogging Path, Maintenance Grounds
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingParking Lot
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringLaminate, Vinyl
# of Stories1
LaundryIn Unit
SecurityGated with Guard, Security Gate

Exterior

Exterior FeaturesBalcony
Road SurfaceAsphalt

Additional Information

Date ListedJuly 29, 2025
Days on Market2
HOA Fees$300 / Monthly
HOA FrequencyMonthly
HOA NameThe CAM Team
Tax Amount$1,248.05
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WV REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 19, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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