Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 50

Active

Active·84 days on market

4032 Edgeland Trail

Middleburg, FL 32068

$399,500$174/sqftEst. $2,060/moMLS# 2145403

Beds

Baths

2,292

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Middleburg

Located in the gated community of The Ravines, this spacious 4-bedroom, 2-bath pool home offers the perfect blend of comfort, style, and location. Situated on a large corner lot overlooking a peaceful pond, this home features a functional open floor plan designed for both everyday living and entertaining. Inside, you'll find a large kitchen with abundant cabinetry, along with custom tile and laminate flooring throughout the main living areas, creating a warm and inviting atmosphere. The oversized owner's suite provides a private retreat complete with a spacious bath featuring a garden tub, separate walk-in shower, and generous layout. Step outside to enjoy the large covered lanai overlooking the screened pool area -- perfect for relaxing or hosting family and friends year-round. Conveniently located near shopping, dining, and everyday amenities, and zoned for highly rated Clay County schools, this home offers the lifestyle you've been searching for. Schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$399,500

Down Payment: 20%

$79,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,060

Principal & Interest: $2,060

Property taxes (est.): $612

Insurance (est.): $266

Estimated Total Monthly

$2,939

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,060

Property taxesest. at asking price, Clay County$612

HOAbilled monthly$93

Estimated total, before insurance$2,765/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,955/yr · $246/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	$361,547	$159,681	—
2024	$357,017	$154,474	—
2023	$342,909	$148,519	—
2022	$270,729	$142,737	—
2021	$235,416	$137,124	—
2020	$228,909	$134,541	—

2025 property taxes (current owner): $2,955/yr

Estimated taxes if purchased at asking price: ~$7,300/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 2004)

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: ~1,717 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

Aug 4, 2026Price change$399,500−$7,500
May 15, 2026Listed$407,000

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

Features

Price$399,500

Price / Sq Ft$174

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,292

Total Structure Area3,080 sq ft

Acres0.34 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Direction FacesSouthwest

School Information

ElementaryShadowlawn

MiddleLake Asbury

HighMiddleburg

Community Information

Address4032 Edgeland Trail, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionRavines

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size14,810.4 sq ft

Parcel Number13052402138818239

ZoningResidential

Amenities

AmenitiesRV/Boat Storage

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

SecurityGated with Guard, Smoke Detector(s)