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This home is in Azalea Ridge, Middleburg.

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Active

Active·57 days on market·Azalea Ridge

1881 Sage Creek Place

Middleburg, FL 32068

$350,000$172/sqftEst. $1,798/moMLS# 2144065

Beds

Baths

2,031

Sq Ft

2020

Built

Garage

Pool

About this home

Azalea Ridge

Super Deal! Beautiful 3/3 model-like home in a gated 55+ active adult community in Middleburg! Located on a private preserve lot (no rear neighbors) on a quiet cul-de-sac street. This 2020-built home shows like new. Just steps from the adult pool & clubhouse PLUS has access to the family resort-style amenity center w/pool slides, playground & more - perfect for visiting grandchildren! Open floorplan features a gorgeous white kitchen with 42'' cabinets, granite counters, California island, dining area & spacious family room. LVP flooring in main living areas, split bedroom layout, TWO private owners suites - ideal for guests or multigenerational living, plus a large laundry room. Primary suite offers dual vanities, oversized tiled shower & huge walk-in closet. Relax in the seasonal sunroom overlooking the preserve. HOA includes lawn & shrub maintenance for easy, low-maintenance Florida living near shopping, dining & medical facilities.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,798

Principal & Interest: $1,798

Property taxes (est.): $536

Insurance (est.): $233

Estimated Total Monthly

$2,567

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,798

Property taxesest. at asking price, Clay County$536

HOAbilled monthly$225

Estimated total, before insurance$2,559/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,752/yr · $396/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	$331,134	$214,353	—
2024	$341,665	$207,323	—
2023	$343,140	$199,537	—
2022	$316,653	$196,478	—
2021	$244,639	$189,139	—
2020	$28,000	$28,000	—

2025 property taxes (current owner): $4,752/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,590 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 9, 2026Price change$350,000−$20,000
Jun 26, 2026Listed$370,000

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

Features

Price$350,000

Price / Sq Ft$172

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,031

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address1881 Sage Creek Place, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,969.6 sq ft

Parcel Number36042400592400818

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Playground, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)