This home is in Azalea Ridge, Middleburg.

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Pending

Pending·52 days on market·Azalea Ridge

4100 Spring Creek Lane

Middleburg, FL 32068

$325,000$203/sqftEst. $1,730/moMLS# 2145732

Beds

Baths

1,604

Sq Ft

2018

Built

Azalea Ridge

About this home

Welcome to this stunning, move in ready home located in the desirable 55+ gated community of Freedom at Azalea Ridge. This beautiful residence offers 3 bedrooms and 2 full bathrooms, with tile throughout the main living areas and luxury plank flooring in the bedrooms. The open-concept layout features a large kitchen with granite counters, abundant cabinet space, and stainless steel appliances. The primary suite boasts a walk-in shower, dual sinks, and a generous walk-in closet. Enjoy your morning coffee or evening relaxing on the screened-in porch overlooking a large fenced backyard. This gated community is packed with amenities tailored for active adult living, including a dedicated 55+ cabana area with pool, social fireplace, bocce ball court, and dog park. Lawn maintenance is included and handled by the HOA, giving you time to enjoy all the community has to offer. Residents have access to a 2nd amenity center in featuring a fitness, 2 pools and clubhouse

Features

Price$325,000

Price / Sq Ft$203

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,604

Acres0.19 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address4100 Spring Creek Lane, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size8,276.4 sq ft

Parcel Number36042400592400998

Amenities

UtilitiesElectricity Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Rear Porch, Screened

FencingBack Yard

RoofShingle

ConstructionFrame, Stucco

Road SurfaceAsphalt

Additional Information

Date ListedMay 17, 2026

Days on Market10

HOA Fees$225 / Monthly

HOA FrequencyMonthly

Tax Amount$3,233.23

Tax Year2024

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityYes

New ConstructionNo

The neighborhood

About Azalea Ridge

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

View all Azalea Ridge homes for sale →

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,730

Principal & Interest: $1,730

Est. Taxes & Insurance: $432

Estimated Total Monthly

$2,162

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$1,730

Property taxesest. at asking price, Clay County$500

HOAbilled monthly$225

Estimated total, before insurance$2,455/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	$274,247	$113,922	—

2024 property taxes (current owner): $3,233/yr

Estimated taxes if purchased at asking price: ~$6,000/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 921 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.

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 2018)

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

Solar potential: ~1,659 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

Informational 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.

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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