Active·61 days on market
4144 Quiet Creek Loop 130
Middleburg, FL 32068
About this home
Middleburg
sELLER OFFERING $5,000 credit to buyer for whatever they choose. Beautiful condominium in The Ravines; a gated community close to shopping, restaurants, Clay County's great schools and hospitals. About 5 minutes from the new SR23 that soon will go all the way to St Johns and I95. Built by Wiggins Construction to be modern and energy efficient ! Elegant unit with tile in wet areas, granite kitchen counters and custom cabinets. Upgraded light packages and much more. Many budget friendly features to include foam insulation in attic. blown cellulose in walls and low E windows. If you are looking for quality, value and no maintenance, then come check out this condo in this gorgeous gated community. The association takes care of all the outside maintenance including painting and roof and the all important landscaping . Condo fees billed quarterly. Seller may pay for 1rst years dues and HOA with acceptable offer.
Cost to own
Mortgage calculator
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, 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 | $204,153 | $204,153 | — |
| 2024 | $35,000 | $33,880 | — |
| 2023 | $35,000 | $30,800 | — |
| 2022 | $28,000 | $28,000 | — |
| 2021 | $28,000 | $28,000 | — |
| 2020 | $28,000 | $28,000 | — |
2025 property taxes (current owner): $3,472/yr
Estimated taxes if purchased at asking price: ~$4,300/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 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · Clay County Utilities
County records show this parcel on central sewer served by Clay County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,750 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 homeInformational 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
Price & status history
- May 15, 2026Listed$233,000
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: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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