$297,000Sold4 bd · 2 ba · 1,843 sq ft
Sold·Closed Oct 23, 2026·151 days on market
1341 Camp Ridge Lane
Middleburg, FL 32068
About this home
Middleburg
***BACK ON THE MARKET due to no fault of the sellers!!!!Spacious and beautifully designed 4-bedroom, 2-bath home featuring an open concept layout perfect for everyday living and entertaining! The bright and airy living spaces flow seamlessly into the kitchen complete with stainless steel appliances, ample cabinet space, and a functional layout that overlooks the main living and dining areas. The split-bedroom floor plan offers privacy and comfort, while the spacious primary suite provides a relaxing retreat. Step outside to enjoy the covered lanai, and fenced in back yard ideal for morning coffee, outdoor dining, or relaxing evenings year-round. Additional features include a 2-car garage, generous storage, and modern finishes throughout. Conveniently located close to schools, shopping, dining, parks, and more, this home offers the perfect combination of comfort, style, and location. Don't miss your opportunity to make this move-in ready home yours.
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).
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 2010)
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: ~1,768 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.
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, 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 7 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 3 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 5 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $264,544 | $260,283 | — |
| 2024 | $274,688 | $236,621 | — |
| 2023 | $277,547 | $215,110 | — |
| 2022 | $236,324 | $195,555 | — |
| 2021 | $177,778 | $177,778 | — |
| 2020 | $172,019 | $172,019 | — |
2025 property taxes (current owner): $3,997/yr
Estimated taxes if purchased at asking price: ~$5,500/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 26, 2026Closed$299,000
- Sep 21, 2026Active Under Contract$299,000
- Aug 30, 2026Active$299,000
- Aug 29, 2026Active Under Contract$299,000
- Aug 5, 2026Price change$299,000−$11,000
- Jul 26, 2026Price change$310,000−$5,000
- May 13, 2026Listed$315,000
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 $190/sq ft; this home is listed at $161/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1721 Foggy Day Drive, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $365,000 | $168 | 5/3 | 2,173 | 69 | 0.3 |
| 1733 Austin Lake Way, Middleburg, FL 32068Listed by ZUMOT REALTY | Oct 2026 | $385,000 | $190 | 3/2 | 2,025 | 270 | 1 |
| 1881 Sage Creek Place, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $337,500 | $166 | 3/3 | 2,031 | 111 | 1.1 |
| 1724 Austin Lake Way, Middleburg, FL 32068Listed by RE/MAX UNLIMITED | Oct 2026 | $390,000 | $185 | 4/3 | 2,112 | 55 | 1.1 |
| 4032 Sandbank Court, Middleburg, FL 32068Listed by REALTY ONE GROUP ELEVATE | Oct 2026 | $310,000 | $193 | 3/2 | 1,604 | 43 | 1.2 |
| 4345 Green River Place, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $320,000 | $199 | 3/2 | 1,605 | 28 | 1.2 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
Sold by: FLORIDA HOMES REALTY & MTG LLC (buyer's brokerage)
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
Broker Associate
This home sold on Oct 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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