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Active

Active·168 days on market

2910 Ravines Road 1103

Middleburg, FL 32068

$164,900$194/sqftEst. $878/moMLS# 2127419

Beds

Baths

848

Sq Ft

1984

Built

—

Garage

Pool

About this home

Middleburg

OPEN HOUSE SUNDAY JUNE 28th 2-4M. 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

Mortgage calculator

Home Price

$164,900

Down Payment: 20%

$32,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$838

Principal & Interest: $838

Est. Taxes & Insurance: $210

Estimated Total Monthly

$1,048

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$878

Property taxesest. at asking price, Clay County$253

HOAbilled monthly$299

Estimated total, before insurance$1,430/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, 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	$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: ~$3,000/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: 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History