Sold·Closed Jul 2, 2026·40 days on market
4505 Ranch Pines Way
Middleburg, FL 32068
About this home
Middleburg
Welcome to 4505 Ranch Pines Way-where space, privacy, and comfort come together in the heart of Middleburg. Situated on a generous half-acre lot, this 4-bedroom, 2-bath home offers the freedom of wide-open living with the convenience of nearby schools, shopping, and daily essentials. Step inside to find an inviting layout filled with natural light that effortlessly flows throughout the home, creating a warm and airy feel in every room. The living spaces are thoughtfully designed for both everyday living and entertaining, while recent updates add both style and peace of mind. Enjoy beautifully updated bathrooms, new windows that enhance energy efficiency and brightness, and modern fixtures that elevate the overall aesthetic. Outside, the expansive yard offers endless possibilities--room to relax, play, or create your own outdoor retreat, complete with a new shed on a concrete slab. Located in Clay County
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.
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 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,743 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $317,992 | $0 | — |
| 2024 | $305,995 | $0 | — |
| 2023 | $299,599 | $0 | — |
| 2022 | $268,749 | $0 | — |
| 2021 | $191,361 | $116,573 | — |
| 2020 | $185,231 | $114,274 | — |
Estimated taxes if purchased at asking price: ~$6,700/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 $240/sq ft; this home is listed at $208/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2883 Longleaf Ranch Circle, Middleburg, FL 32068Listed by WATSON REALTY CORP | Jul 2026 | $422,000 | $203 | 4/2 | 2,076 | 60 | 0.3 |
| 2893 Longleaf Ranch Circle, Middleburg, FL 32068Listed by MOMENTUM REALTY | Jun 2026 | $375,000 | $171 | 4/2 | 2,192 | 14 | 0.3 |
| 3024 Longleaf Ranch Circle, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $415,000 | $240 | 4/2 | 1,728 | 12 | 0.3 |
| 4620 Burdock Court, Middleburg, FL 32068Listed by RESIDENTIAL WEALTH BUILDERS REALTY AND PROPERTY MANAGEMENT | Sep 2026 | $444,000 | $245 | 4/2 | 1,809 | 29 | 0.4 |
| 3139 S Deer Avenue, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | May 2026 | $215,000 | $130 | 3/2 | 1,652 | 41 | 0.6 |
| 2924 Squirrel Court, Middleburg, FL 32068Listed by REAL BROKER LLC | May 2026 | $535,000 | $253 | 3/2 | 2,115 | 29 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 2, 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.
Northeast Florida living
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