Active·76 days on market
4145 Quiet Creek Loop
Middleburg, FL 32068
About this home
Middleburg
Welcome to this 3 bedroom, 2 bath, 1,234 sf updated condo in the gated community of Creek Hollow at The Ravines, offering a comfortable blend of updates and inviting living spaces. The entry opens to an renovated kitchen featuring granite counters, stainless steel appliances, white shaker cabinets, and recessed lighting, with a dining area just beyond. An office sits off the dining space, providing flexibility for work or hobbies. The family room includes a fireplace and flows into the bright Florida room with tile flooring and skylights, overlooking a peaceful wooded backdrop. Bedrooms 2 and 3 are newly carpeted, and the updated guest bath features a white shaker vanity and granite countertop. The primary bedroom offers a vaulted ceiling, new carpet, a large closet with additional storage space, and nearby upstairs laundry with washer and dryer conveying. Enjoy low maintenance living in a quiet setting with room to make it your own. Come see why this one feels like home!
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
Last sold: $184,400 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $162,537 | $65,351 | — |
| 2024 | $158,843 | $62,802 | — |
| 2023 | $156,033 | $59,517 | — |
| 2022 | $106,193 | $25,000 | — |
| 2021 | $86,298 | $25,000 | — |
| 2020 | $81,698 | $25,000 | — |
2025 property taxes (current owner): $1,516/yr
Estimated taxes if purchased at asking price: ~$4,100/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: material not specified — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · Clay County Utilities
County records show this parcel on central sewer served by Clay County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,750 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- May 1, 2026Listed$225,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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