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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Azalea Ridge, Middleburg.

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Sold

Sold·Closed Jun 11, 2026·0 days on market·Recent sales in Azalea Ridge·Azalea Ridge

4188 Great Falls Loop

Middleburg, FL 32068

$287,000sold priceListed at $287,000 · 100% of asking$187/sqftMLS# 2145729
3
Beds
2
Baths
1,535
Sq Ft
2014
Built
2
Garage
No
Pool

9 more homes for sale in Azalea Ridge →Search Azalea Ridge on the map

HOA $7/mo6,970 sqft lotSingle Family Residence1 story

About this home

Azalea Ridge

Stunning Clay County Gem! Discover your perfect sanctuary in the heart of Clay County. This meticulously maintained 3-bedroom, 2-bathroom home features an additional flex room, ideal for a home office or hobby space. Interior Highlights: • Gourmet Kitchen: Equipped with granite countertops, stainless steel appliances, and a stylish California bar top. • Living Made Easy: Eat-in kitchen, dedicated laundry room (washer/dryer included), and an open, airy layout. Exterior & Mechanics: • Curb Appeal: Elegant stucco and ledge stone facade. • Outdoor Living: Relax on the covered lanai overlooking a fully fenced backyard--perfect for pets, and privacy. • Pro Features: Equipped with gutters, an irrigation system, and a pre-wired outlet for a generator to handle power outages. • Location & Lifestyle: Enjoy world-class amenities including fitness centers, sparkling pools, and parks. For the adventurer, a boat ramp is nearby, plus top-rated schools and shopping are just minutes away. Call today

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,590
Property taxesest. at asking price, Clay County$440
HOAbilled annually$7
Estimated total, before insurance$2,037/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,426/yr · $202/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$287,000
$57,400
Loan Term
Monthly Payment
$1,590
Principal & Interest: $1,590
Property taxes (est.): $440
Insurance (est.): $191
Estimated Total Monthly
$2,221
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2014)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,767 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

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

YearMarket valueTaxable valueChange
2025$247,337$124,978—
2024$255,854$120,749—
2023$257,996$115,776—
2022$237,267$110,948—
2021$183,474$106,261—
2020$169,586$104,104—

2025 property taxes (current owner): $2,426/yr

Estimated taxes if purchased at asking price: ~$5,300/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.

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 $169/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1978 Rock Springs Way, Middleburg, FL 32068Listed by MOMENTUM REALTYJul 2026$325,000$1734/21,881150.1
1856 Woodland Glen Road, Middleburg, FL 32068Listed by JPAR CITY AND BEACHJul 2026$315,000$1694/21,861100.1
1841 Cherry Creek Way, Middleburg, FL 32068Listed by WATSON REALTY CORPSep 2026$288,000$1833/21,5721030.2
1866 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLCAug 2026$300,000$1624/21,856550.2
1837 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLCAug 2026$299,900$1624/21,856610.2
4327 Warm Springs Way, Middleburg, FL 32068Listed by TOP SOURCE REALTY LLCJul 2026$259,900$1524/21,705410.5

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.

Features

Price$287,000
Price / Sq Ft$187
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,535
Total Structure Area2,068 sq ft
Acres0.16 acres
Year Built2014
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address4188 Great Falls Loop, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionAzalea Ridge
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,969.6 sq ft
Parcel Number36042400592400325
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Park, Playground
Community FeaturesSidewalks, Curbs
UtilitiesCable Available, Cable Connected, Electricity Available, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener
ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Porch, Rear Porch
FencingFenced, Back Yard, Full, Vinyl
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 17, 2026
Days on Market0
HOA Fees$88 / Annually
HOA FrequencyAnnually
Tax Amount$2,425.54
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

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.

The neighborhood

About Azalea Ridge

Azalea Ridge is a neighborhood in Jacksonville, FL (Clay County), ZIP 32068.

View all Azalea Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 11, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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