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Active

Active·113 days on market

2810 Ravines Road

Middleburg, FL 32068

$495,000$202/sqftEst. $2,524/moMLS# 2138186

Beds

Baths

2,451

Sq Ft

1986

Built

Garage

Pool

About this home

Middleburg

MOTIVATED SELLER! Beautifully maintained all-brick home in the gated community of The Ravines. This 4BR/3BA home sits on an estate-sized lot and features wood and tile flooring, crown molding, and a cozy fireplace. The gourmet kitchen offers 42'' glazed maple cabinets, Corian countertops, marble backsplash, and dual workstations with separate sinks. Recent updates include windows (2021), HVAC (2024), roof (2020), and water heater (2020). Enjoy a screened-in lanai and back deck overlooking a private, preserve-like setting with no rear neighbors. Watch deer and turkeys from your own backyard. Additional features include a Jack and Jill bath, updated shower, well and septic, and a 1,400 sq ft crawl space with Alpha Foundation improvements for added storage and peace of mind.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,524

Principal & Interest: $2,524

Property taxes (est.): $759

Insurance (est.): $330

Estimated Total Monthly

$3,612

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,524

Property taxesest. at asking price, Clay County$759

HOAbilled monthly$93

Estimated total, before insurance$3,375/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,728/yr · $227/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$377,025	$144,793	—
2024	$362,439	$139,864	—
2023	$355,411	$134,189	—
2022	$314,580	$128,679	—
2021	$260,514	$123,330	—
2020	$255,813	$120,868	—

2025 property taxes (current owner): $2,728/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

Storms & insurance

Florida Reality Check

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

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — 2020 per the listing

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,292 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 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.

History

Price & status history

Apr 3, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$202

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,451

Acres0.60 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryShadowlawn

MiddleLake Asbury

HighMiddleburg

Community Information

Address2810 Ravines Road, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionThe Ravines

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size26,136 sq ft

Parcel Number13052402138801200

Amenities

AmenitiesGated, RV/Boat Storage

UtilitiesCable Available

SewerSeptic Tank

Water SourceWell

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Window FeaturesSkylight(s)

SecurityGated with Guard, Smoke Detector(s)