Active·19 days on market
2970 Ravines Road 1329
Middleburg, FL 32068
About this home
Middleburg
Welcome to this beautifully upgraded end-unit condo in the highly sought-after, manned-gated community of The Ravines. With low monthly HOA fees (ALL exterior maintenance included!), this property offers both affordability and ease of ownership, perfect for homeowners and investors alike. Step inside to find a fully remodeled interior featuring wide plank vinyl flooring throughout and a stunning brand-new kitchen complete with white shaker cabinetry, quartz countertops, stainless steel appliances and a gorgeous custom backsplash. The bathroom has been thoughtfully updated with ample storage, quartz counters, and stylish cream stacked tile in the tub/shower, creating a clean, modern feel. A conveniently located washer and dryer closet within the bathroom adds to the effortless, low-maintenance lifestyle. Unwind after a long day on your spacious covered patio, where you can enjoy peaceful views of mature oak trees and lush surroundings.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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: Shingle — year not disclosed (home built 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,118 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $55,474 | $55,474 | — |
| 2024 | $50,235 | $39,295 | — |
| 2023 | $49,313 | $35,723 | — |
| 2022 | $40,172 | $32,476 | — |
| 2021 | $30,532 | $29,524 | — |
| 2020 | $29,817 | $26,840 | — |
2025 property taxes (current owner): $846/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
- Jul 25, 2026Active$125,000
- Jul 7, 2026Pending$125,000
- Jun 27, 2026Listed$125,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS · Lindsey@sellsnefl.com
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines