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Active

Active·70 days on market

1341 Camp Ridge Lane

Middleburg, FL 32068

$315,000$171/sqftEst. $1,601/moMLS# 2144955

Beds

Baths

1,843

Sq Ft

2010

Built

Garage

Pool

About this home

Middleburg

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

Mortgage calculator

Home Price

$315,000

Down Payment: 20%

$63,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,601

Principal & Interest: $1,601

Property taxes (est.): $483

Insurance (est.): $210

Estimated Total Monthly

$2,294

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,601

Property taxesest. at asking price, Clay County$483

HOAbilled annually$7

Estimated total, before insurance$2,091/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	$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: ~$5,800/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.

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 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

May 13, 2026Listed$315,000

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

Features

Price$315,000

Price / Sq Ft$171

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,843

Total Structure Area2,468 sq ft

Acres0.14 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTynes

HighRidgeview

Community Information

Address1341 Camp Ridge Lane, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,098.4 sq ft

Parcel Number30042500806900886

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Playground

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup