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Active Under Contract

Active Under Contract·93 days on market

3839 Trail Ridge Road

Middleburg, FL 32068

$520,000$173/sqftEst. $2,651/moMLS# 2141446

Beds

Baths

3,007

Sq Ft

2013

Built

Garage

Pool

About this home

Middleburg

Spacious and beautifully designed 5-bedroom, 3-bathroom home located in the highly sought-after Two Creeks community! This thoughtfully laid-out floor plan offers plenty of room for both everyday living and entertaining, featuring a bright and open living area filled with natural light. The modern kitchen boasts ample cabinetry, generous counter space, and a large island perfect for gathering. The primary suite provides a relaxing retreat with a private en-suite bath and spacious walk-in closet. Additional bedrooms are well-sized, offering flexibility for guests, plus a home office, for a growing household. With three full bathrooms, convenience and comfort are built into every corner of this home. Step outside to enjoy a peaceful backyard with plenty of space for outdoor living for future customization. Located in the desirable Two Creeks neighborhood, residents enjoy access to community amenities and a convenient location close to shopping and dining. Book your showing today!

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,651

Principal & Interest: $2,651

Property taxes (est.): $797

Insurance (est.): $347

Estimated Total Monthly

$3,795

*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$2,651

Property taxesest. at asking price, Clay County$797

HOAbilled annually$7

Estimated total, before insurance$3,456/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,525/yr · $294/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

Last sold: $530,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$424,783	$27,641	—
2024	$418,049	$368,049	—
2023	$425,665	$375,665	—
2022	$386,981	$336,981	—
2021	$291,363	$168,288	—
2020	$268,659	$165,275	—

2025 property taxes (current owner): $3,525/yr

Estimated taxes if purchased at asking price: ~$9,600/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 — 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.

Roof: Shingle — year not disclosed (home built 2013)

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: ~1,766 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

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

Jul 13, 2026Active Under Contract$520,000
Apr 23, 2026Listed$520,000

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

Features

Price$520,000

Price / Sq Ft$173

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,007

Acres0.25 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3839 Trail Ridge Road, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionTwo Creeks

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size10,890 sq ft

Parcel Number24042400557400108

Amenities

AmenitiesPool, Barbecue, Clubhouse, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup