Active·20 days on market
2910 Ravines Road 1103
Middleburg, FL 32068
About this home
Middleburg
Feel right at home when entering one of the nicest, meticulously maintained, condos in The Ravines gated community. 2BR, 1BA, ground floor condo w/beautiful garden off front porch & wooded area for privacy off the back porch. Custom designed kitchen with granite counters, decorative backsplash, breakfast bar & stainless-steel appliances, including smooth top stove, microwave & refrigerator. There is a bookshelf near the kitchen, that is actually a door leading to a hidden closet. Separate dining area & spacious family room. Family room has a uniquely custom-built entertainment center with two pull out drawers that transforms into two twin beds to accommodate when having extra guests. Wood-like flooring throughout. Custom designed bathroom with marble vanity and tiled walk-in shower. Stackable washer and dryer included. Don't miss out on an opportunity to own this beautiful condo. No CDD fees. Owner has paid HOA fees through December 2026.
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, 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: material not specified — year not disclosed (home built 1984)
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: ~1,663 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $110,683 | $0 | — |
| 2024 | $108,191 | $15,573 | — |
| 2023 | $108,475 | $14,392 | — |
| 2022 | $62,230 | $13,245 | — |
| 2021 | $55,798 | $12,132 | — |
| 2020 | $54,579 | $11,620 | — |
2025 property taxes (current owner): $108/yr
Estimated taxes if purchased at asking price: ~$2,900/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.
History
Price & status history
- Sep 20, 2026Price change$159,900−$4,600
- Aug 31, 2026Active$164,500
- Aug 28, 2026Pending$164,500
- Aug 8, 2026Price change$164,500−$400
- Jan 28, 2026Listed$164,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC · mlspears513@comcast.net
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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines