Active Under Contract·136 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).
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: 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.
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 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.
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
- 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
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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