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Active

Active·101 days on market

2961 Shady Ridge Court

Middleburg, FL 32068

$400,000$191/sqftEst. $2,063/moMLS# 2142323

Beds

Baths

2,089

Sq Ft

2000

Built

Garage

Pool

About this home

Middleburg

This 4 bedroom, 2 bathroom brick house, in Gated Community, is situated in a tranquil and secluded neighborhood with easy access to nearby shopping, dining, entertainment and the new highway. This one-owner home has been lovingly cared for and boasts hardwood & tile floors throughout, newer quartz countertops in Kitchen. Step outside to the grand backyard with new fencing for your privacy, and enjoy the perks of living in a gated community. Excellent A-Rated Clay County schools are close by, making this ideal for families. Don't miss out on this amazing opportunity! Book your appointment for viewing today!

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,063

Principal & Interest: $2,063

Property taxes (est.): $613

Insurance (est.): $267

Estimated Total Monthly

$2,942

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,063

Property taxesest. at asking price, Clay County$613

HOAbilled annually$62

Estimated total, before insurance$2,738/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,651/yr · $304/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	$330,217	$205,310	—
2024	$329,280	$198,817	—
2023	$322,884	$191,570	—
2022	$280,872	$184,534	—
2021	$227,703	$177,703	—
2020	$204,873	$204,873	—

2025 property taxes (current owner): $3,651/yr

Estimated taxes if purchased at asking price: ~$7,400/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2000)

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: ~1,631 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

Apr 28, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$191

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,089

Acres0.33 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryRideout

MiddleLake Asbury

HighRidgeview

Community Information

Address2961 Shady Ridge Court, Middleburg, FL 32068

Area146-Middleburg-NE

SubdivisionVillages Of Fireside

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size14,374.8 sq ft

Parcel Number45052500898901342

ZoningResidential

Amenities

AmenitiesOther, Gated, Management - Off Site

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Gated

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)