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Active

Active·69 days on market

2910 Ravines Road 1108

Middleburg, FL 32068

$149,000$118/sqftEst. $793/moMLS# 2144216

Beds

Baths

1,268

Sq Ft

1984

Built

—

Garage

Pool

About this home

Middleburg

Captivating Nature Views & Extra Space in The Ravines! Discover the perfect blend of tranquility and comfort in this ground-floor condominium nestled within the highly sought-after, gated community of The Ravines. Offering 1,268 square feet of living space, this unit is priced well to allow you to bring your vision and build instant equity. Home has just been freshly painted, and offers two generously sized bedrooms, two baths, two living areas, and two outdoor seating areas where the nature will take your breath away! Wonderful option for those looking to downsize, avoid yard work, simplify, and/or just craving a peaceful place to call home!

Cost to own

Mortgage calculator

Home Price

$149,000

Down Payment: 20%

$29,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$757

Principal & Interest: $757

Est. Taxes & Insurance: $189

Estimated Total Monthly

$947

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$793

Property taxesest. at asking price, Clay County$228

HOAbilled monthly$480

Estimated total, before insurance$1,501/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, 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

Year	Market value	Taxable value	Change
2025	$135,100	$107,102	—
2024	$132,006	$97,366	—
2023	$129,658	$88,515	—
2022	$95,805	$80,469	—
2021	$73,154	$73,154	—
2020	$71,518	$71,518	—

Estimated taxes if purchased at asking price: ~$2,700/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.

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: material not specified — year not disclosed (home built 1984)

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: ~1,724 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

Informational 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