Active·247 days on market
3165 Ravines Road 3601
Middleburg, FL 32068
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
***Price Improvement*** Charming Studio Condo in Private Gated Community Escape to your serene oasis in this delightful condo located in the heart of Middleburg, FL. Nestled within a peaceful, gated community, this first-floor unit offers a perfect blend of comfort and tranquility. Key Features: Inviting open-concept living. Nature view from your private rear patio--ideal for morning coffee or evening relaxation. Quiet, serene surroundings perfect for unwinding after a long day. Brand new HVAC 2024 Community Amenities: Secure gated access for peace of mind. Beautifully naturally landscaped tree covered grounds. Don't miss this opportunity to own a slice of paradise in Middleburg. Whether you're a first-time buyer, looking to downsize, or seeking a peaceful retreat, this condo has what you need.
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 (that applies to the reference bill above too).
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: ~1,652 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
Last sold: $55,000 in February 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $68,754 | $68,249 | — |
| 2024 | $62,045 | $62,045 | — |
| 2023 | $60,702 | $60,702 | — |
| 2022 | $49,935 | $49,935 | — |
| 2021 | $37,827 | $12,335 | — |
| 2020 | $36,820 | $11,820 | — |
2024 property taxes (current owner): $932/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 (2025), NEFMLS.
History
Price & status history
- Jul 31, 2026Price change$119,900−$6,000
- Feb 5, 2026Listed$125,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BEAR REALTY, INC.
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines