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Active

Active·145 days on market

2990 Ravines Road 1422

Middleburg, FL 32068

$144,900$171/sqftEst. $771/moMLS# 2131156

Beds

Baths

848

Sq Ft

1983

Built

—

Garage

Pool

About this home

Middleburg

Tucked beneath the trees in the gated community of The Ravines, this thoughtfully designed 1-bedroom, 2-bath home offers quiet, low-maintenance living in a peaceful, wooded setting. The open living space is filled with natural light and features beautiful built-in shelving for both character and function. The kitchen stands out with warm butcher block countertops and easy flow for everyday living. The spacious primary suite offers comfort and privacy, while the second full bathroom gives guests their own dedicated space -- no sharing required. Step onto the back porch and unwind with tranquil tree views all around. Roof replaced in 2024 for added peace of mind. Move-in ready and easy to maintain -- it truly checks the boxes.

Cost to own

Mortgage calculator

Home Price

$144,900

Down Payment: 20%

$28,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$732

Principal & Interest: $732

Est. Taxes & Insurance: $183

Estimated Total Monthly

$915

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$771

Property taxesest. at asking price, Clay County$222

HOAbilled monthly$300

Estimated total, before insurance$1,293/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

Last sold: $95,000 in August 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$85,400	$85,400	—
2024	$105,169	$67,472	—
2023	$105,475	$61,339	—
2022	$60,529	$55,763	—
2021	$54,290	$50,694	—
2020	$53,119	$46,086	—

2025 property taxes (current owner): $1,303/yr

Estimated taxes if purchased at asking price: ~$2,700/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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,610 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