$125,0000.5 acres · Unimproved Land
Active·245 days on market
3776 Creek Hollow Lane
Middleburg, FL 32068
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Leave your number and I will call to set it up. Before we go I pull the flood zone, the survey and the utilities, so you know what you can build.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this lot
Middleburg
Welcome to the Ravines, one of the most beautiful communities in Clay. Gorgeous trees and terrain makes you feel like you are in the Carolinas near the mountains. This lot is gorgeous and surrounded by custom homes and meticulously kept yards. The seller is Wiggins Costruction Company of N. Fl; recepients of Clay County's builder of the year award many times. The Wiggins will build you the home of your dreams and provide you with free house plans created by them according to your wishes and wants. Hurry, this lot is just waiting to be the frame for the home you have been dreaming of!
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • 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).
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Public water · Clay County Utilities
Municipal drinking water from Clay County Utilities per the county inventory.
Source: Florida DOH Water Management Inventory (public record).
Krista can connect you with local insurance quotes before you make an offer.
As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 11 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 1 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 5 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 9 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $50,000 | $50,000 | — |
| 2024 | $50,000 | $50,000 | — |
| 2023 | $50,000 | $50,000 | — |
| 2022 | $50,000 | $49,500 | — |
| 2021 | $45,000 | $45,000 | — |
| 2020 | $45,000 | $45,000 | — |
2025 property taxes (current owner): $763/yr
Estimated taxes if purchased at asking price: ~$2,300/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
- Mar 9, 2026Listed$125,000
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 $186,275 an acre; this lot is listed at $250,000 an acre.
| Address | Closed | Price | $/acre | Acres | DOM | Miles |
|---|---|---|---|---|---|---|
| 4170 Steven Arthur Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2025 | $139,900 | $142,755 | 0.98 | 162 | 1.7 |
| 4071 Lazy Acres Road, Middleburg, FL 32068Listed by EXIT MAGNOLIA POINT REALTY | Mar 2026 | $120,000 | $193,548 | 0.62 | 168 | 1.8 |
| 4071 Lazy Acres Road, Middleburg, FL 32068Listed by EXIT MAGNOLIA POINT REALTY | Aug 2025 | $85,000 | $157,407 | 0.54 | 304 | 1.8 |
| 4241 Lazy Acres Road, Middleburg, FL 32068Listed by EXP REALTY LLC | Dec 2025 | $105,000 | $152,174 | 0.69 | 12 | 2.2 |
| 4235 Lazy Acres Road, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $95,000 | $186,275 | 0.51 | 331 | 2.2 |
| 219 Bush Court, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNS | Mar 2026 | $270,000 | $333,333 | 0.81 | 115 | 2.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this lot is worth; Krista runs the adjustments per lot.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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
Is this home priced right?
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Northeast Florida living
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