$209,0003 bd · 2 ba · 1,234 sq ft
Active·190 days on market
4145 Quiet Creek Loop
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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.
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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 11 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 1 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 5 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 9 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$3,800/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
- Oct 30, 2026Price change$209,000−$12,000
- Sep 2, 2026Price change$221,000−$1,500
- Aug 14, 2026Price change$222,500−$2,500
- Aug 7, 2026Active$225,000
- Jul 30, 2026Active Under Contract$225,000
- May 1, 2026Listed$225,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $167/sq ft; this home is listed at $169/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4154 Quiet Creek Loop 135, Middleburg, FL 32068Listed by WATSON REALTY CORP | Nov 2025 | $240,750 | $161 | 3/2.5 | 1,498 | 385 | 0.1 |
| 3565 Prancer Point, Middleburg, FL 32068Listed by NON MLS (realMLS) | May 2025 | $277,990 | $185 | 3/2.5 | 1,499 | 1 | 2 |
| 3676 Athenian Way, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INC | Jun 2025 | $238,990 | $167 | 3/2.5 | 1,433 | 0 | 2.1 |
| 3668 Athenian Way, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INC | May 2025 | $265,000 | $167 | 3/2.5 | 1,588 | 75 | 2.1 |
| 3587 Athenian Way, Middleburg, FL 32068Listed by OLYMPUS EXECUTIVE REALTY, INC | May 2025 | $229,990 | $160 | 3/2.5 | 1,433 | 271 | 2.1 |
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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Krista Fracke
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