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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Azalea Ridge, Middleburg.

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Sold

Sold·Closed Jun 29, 2026·32 days on market·Recent sales in Azalea Ridge·Azalea Ridge

4139 Spring Creek Lane

Middleburg, FL 32068

$330,000sold priceListed at $338,000 · 97.6% of asking$196/sqftMLS# 2137831
2
Beds
2
Baths
1,681
Sq Ft
2018
Built
2
Garage
No
Pool

9 more homes for sale in Azalea Ridge →Search Azalea Ridge on the map

HOA $221/mo6,970 sqft lotSingle Family Residence1 story

About this home

Azalea Ridge

Welcome home to this stunning gated 55+ community! This beautifully updated 2-bedroom, 2-bathroom home plus flex space offers an open-concept layout perfect for entertaining. The spacious kitchen island is ideal for gatherings, while the two brand-new walk-in showers and updated light fixtures add a modern touch. Home also features a whole home surge protector and 5 yr termite bond. Enjoy relaxing on the screened-in patio overlooking a serene preserve with no rear neighbors. The home sits on a cul-de-sac, is fully fenced, and has been freshly painted inside and out. Community perks include two pools--one exclusively for 55+, plus a gym and clubhouse for all residents. The HOA covers all lawn maintenance, making life easy. With monthly activities planned, this vibrant neighborhood is perfect for an active, social lifestyle!

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$1,828
Property taxesest. at asking price, Clay County$506
HOAbilled monthly$221
Estimated total, before insurance$2,555/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,059/yr · $255/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

$330,000
$66,000
Loan Term
Monthly Payment
$1,828
Principal & Interest: $1,828
Property taxes (est.): $506
Insurance (est.): $220
Estimated Total Monthly
$2,554
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2018)

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

Solar potential: ~1,783 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$275,753$103,402—
2024$285,386$99,781—
2023$287,728$95,419—
2022$264,213$91,184—
2021$203,701$87,072—
2020$187,131$85,180—

2025 property taxes (current owner): $3,059/yr

Estimated taxes if purchased at asking price: ~$6,100/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.

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 $189/sq ft; this home is listed at $201/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4122 Fishing Creek Lane, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$340,000$1893/21,795230.1
4100 Spring Creek Lane, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$323,000$2013/21,604100.1
1837 Marias River Court, Middleburg, FL 32068Listed by MARKETPLACE HOMESSep 2026$370,000$1704/22,182170.2
3832 Great Falls Loop, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$349,900$1704/32,058410.3
1724 Austin Lake Way, Middleburg, FL 32068Listed by RE/MAX UNLIMITEDOct 2026$390,000$1854/32,112550.4
1733 Austin Lake Way, Middleburg, FL 32068Listed by ZUMOT REALTYOct 2026$385,000$1903/22,0252700.4

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$338,000
Price / Sq Ft$201
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,681
Acres0.16 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
55+ CommunityYes

Community Information

Address4139 Spring Creek Lane, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionAzalea Ridge
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,969.6 sq ft
Parcel Number36042400592400905

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Maintenance Grounds, Management - Off Site, Park, Playground
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Gated
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1

Exterior

Patio / PorchCovered, Front Porch, Screened
FencingBack Yard, Vinyl
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt

Additional Information

Date ListedApril 1, 2026
Days on Market32
HOA Fees$221 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Tax Amount$3,059.49
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

The neighborhood

About Azalea Ridge

Azalea Ridge is a neighborhood in Jacksonville, FL (Clay County), ZIP 32068.

View all Azalea Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 29, 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

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.

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