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Sold

Sold·Closed May 21, 2026·45 days on market

1353 Camp Ridge Lane

Middleburg, FL 32068

$400,000sold priceListed at $415,000 · 96.4% of asking$148/sqftMLS# 2128821
5
Beds
3
Baths
2,697
Sq Ft
2008
Built
2
Garage
No
Pool
HOA $7/mo8,146 sqft lotSingle Family Residence2 stories

About this home

Middleburg

This home is all about lifestyle! Nestled inside the sought-after Pine Ridge community, this home delivers the space, upgrades and lifestyle today's buyers crave. From the moment you step inside, you're greeted by soaring ceilings, designer lighting and a striking shiplap feature wall that sets the tone for a home that is anything but ordinary. Thoughtful finishes like tile and luxury vinyl plank flooring throughout the living and wet areas combine beauty with durability for effortless Florida living. The heart of the home is a kitchen designed to impress and perform. Stainless steel appliances, quartz countertops, and a stylish tile backsplash create a space that's equally suited for weeknight dinners or entertaining a crowd. The open floorplan keeps everyone connected while still offering defined, functional spaces. Retreat to the luxurious primary suite conveniently located downstairs, a private haven featuring double-door entry, an expansive bedroom, dual vanities, walk-in shower

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$2,216
Property taxesest. at asking price, Clay County$613
HOAbilled annually$7
Estimated total, before insurance$2,835/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,092/yr · $424/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

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $613
Insurance (est.): $267
Estimated Total Monthly
$3,095
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2008)

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

Solar potential: ~1,763 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,092/yr

Estimated taxes if purchased at asking price: ~$7,400/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

  • Feb 6, 2026Listed$415,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $169/sq ft; this home is listed at $154/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1474 Lantern Light Trail, Middleburg, FL 32068Listed by HOVER GIRL PROPERTIESSep 2026$355,000$1443/2.52,472830.2
1482 Lantern Light Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$460,000$1834/32,517110.2
1721 Foggy Day Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$365,000$1685/32,173690.3
1942 Leap Frog Lane, Middleburg, FL 32068Listed by EVERYSTATE INCJul 2026$355,000$1454/32,4541850.3
1207 Camp Ridge Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNSAug 2026$320,000$1694/21,896670.4
1095 Persimmon Drive, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERYJul 2026$320,000$1694/21,899150.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$415,000
Price / Sq Ft$154
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,697
Acres0.19 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryTynes
MiddleWilkinson

Community Information

Address1353 Camp Ridge Lane, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionPine Ridge
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size8,145.72 sq ft
Lot Dimensions76x110
Parcel Number30042500806900889
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 6, 2026
Days on Market45
HOA Fees$80 / Annually
HOA FrequencyAnnually
HOA NamePine Ridge Homeowner's Association
Tax Amount$5,091.82
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: STA REALTY

Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)

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 May 21, 2026. 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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