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Active

Active·288 days on market

2860 Ravines Road

Middleburg, FL 32068

$575,000$172/sqftEst. $2,932/moMLS# 2112548

Beds

Baths

3,339

Sq Ft

1982

Built

Garage

Yes

Pool

About this home

Middleburg

POOL HOME, 3/4 ACRE ESTATE LOT- This cozy 5-bedroom, 3-bath home has plenty of room to spread out, w/ multiple living areas perfect for a growing family or multigenerational living. It's definitely not your typical cookie-cutter house—this one's full of character! Think tongue-&-groove ceilings, built-ins, & 3 fireplaces that give it a warm, mountain-lodge vibe. The bedrooms are thoughtfully laid out in a 3-way split, making it easy for everyone to have their own space. Storage won't be a problem either, w/ walk-in closets, linen closets, a large laundry room, & a 2-car garage. Step outside & enjoy the peaceful nature views, take a dip in the pool, cookout under the covered patio, or shoot some hoops in the backyard. It's the kind of outdoor space that makes you want to spend all day outside. Recent updates: 80-gallon solar water heater & solar panels installed in 2022, windows, pool liner replaced 2023, 2 HVAC systems replaced 2026 and 2023. Septic pumped 2024.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,196

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,932

Property taxesest. at asking price, Clay County$881

HOAbilled monthly$93

Estimated total, before insurance$3,906/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,595/yr · $383/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).

Cost to own

Taxes & assessment

Last sold: $502,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$459,246	$280,883	—
2024	$441,704	$271,837	—
2023	$433,232	$262,027	—
2022	$381,574	$276,295	—
2021	$316,792	$133,396	—
2020	$307,854	$307,854	—

2024 property taxes (current owner): $4,595/yr

Estimated taxes if purchased at asking price: ~$10,600/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1982)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,437 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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

Oct 9, 2025Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$172

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,339

Acres0.77 acres

Year Built1982

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryShadowlawn

MiddleLake Asbury

HighMiddleburg

Community Information

Address2860 Ravines Road, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionThe Ravines

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size33,541.2 sq ft

Lot Dimensions3/4 of an acre

Parcel Number13052402138804800

ZoningResidential

Amenities

AmenitiesGated, Park

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Dryer, Electric Range, Microwave, Refrigerator, Solar Hot Water, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces3

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Security24 Hour Security, Gated with Guard