Sold·Closed Jun 18, 2026·33 days on market
4916 Creek Bluff Lane
Middleburg, FL 32068
About this home
Middleburg
USDA 0% Down Eligible, Beautifully refreshed 4-bedroom, 2-bathroom home located in Pine Ridge in Middleburg, Florida. This move-in ready home offers a spacious and functional layout with stylish modern updates throughout, making it ideal for both everyday living and entertaining. Inside, you'll find bright, inviting living spaces, updated finishes, and a comfortable design that feels both fresh and welcoming. Residents of Pine Ridge enjoy an impressive lineup of community amenities, including a swimming pool with splash pad and waterslide, basketball, tennis, and pickleball courts, a fitness center, pavilions, BBQ area, and regular community events such as movie nights and food trucks. All appliances convey, including the washer, dryer. (water softener as is).
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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.
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 2012)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,637 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 7 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 4 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 3 mi · Black Creek North Fork
Closest youth league fields
Argyle Forest Parkabout 7 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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 | $291,473 | $288,282 | — |
| 2024 | $302,812 | $262,075 | — |
| 2023 | $305,953 | $238,250 | — |
| 2022 | $262,810 | $216,591 | — |
| 2021 | $196,901 | $196,901 | — |
| 2020 | $190,381 | $108,844 | — |
2025 property taxes (current owner): $7,183/yr
Estimated taxes if purchased at asking price: ~$5,700/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.
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 $181/sq ft; this home is listed at $156/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1474 Lantern Light Trail, Middleburg, FL 32068Listed by HOVER GIRL PROPERTIES | Sep 2026 | $355,000 | $144 | 3/2.5 | 2,472 | 83 | 0.1 |
| 1482 Lantern Light Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $460,000 | $183 | 4/3 | 2,517 | 11 | 0.1 |
| 1721 Foggy Day Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $365,000 | $168 | 5/3 | 2,173 | 69 | 0.2 |
| 1207 Camp Ridge Lane, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $320,000 | $169 | 4/2 | 1,896 | 67 | 0.2 |
| 4630 Pine Ridge Parkway, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $300,000 | $191 | 3/2 | 1,568 | 9 | 0.8 |
| 3971 White Pelican Way, Middleburg, FL 32068Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $330,000 | $181 | 4/2 | 1,822 | 94 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
Sold by: NON MLS (realMLS) (buyer's brokerage)
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
This home sold on Jun 18, 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines