Active·114 days on market
1112 Pine Island Court
Middleburg, FL 32068
About this home
Middleburg
5000 DOLLARS TOWARDS CLOSING COSTS AND/OR RATE BUY DOWN! Space, comfort, and Florida living come together in this spacious former model home in Pine Ridge! Step outside to the screened lanai overlooking a large, open backyard, the perfect setting for relaxing, entertaining, or enjoying your morning coffee. Inside, this 5-bedroom, 3-bath home offers a flexible floor plan with beautiful wood flooring, granite countertops, generous living spaces, and a convenient downstairs bedroom with full bath--ideal for guests, multigenerational living, or a home office. Upstairs, the oversized primary suite provides a private retreat with plenty of room to unwind. A brand-new roof adds even more value and peace of mind. Pine Ridge residents enjoy resort-style amenities including a community pool, fitness center, basketball courts, playgrounds, and more. Conveniently located near shopping, dining, schools, and parks. Come discover just how much this home has to offer!
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, 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
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 2007)
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: ~1,806 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $360,977 | $191,832 | — |
| 2024 | $375,893 | $185,719 | — |
| 2023 | $380,262 | $178,854 | — |
| 2022 | $336,199 | $172,189 | — |
| 2021 | $250,441 | $165,718 | — |
| 2020 | $242,109 | $162,740 | — |
2025 property taxes (current owner): $5,854/yr
Estimated taxes if purchased at asking price: ~$7,200/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.
History
Price & status history
- Sep 15, 2026Price change$393,900−$100
- Jul 30, 2026Price change$394,000−$5,000
- Jun 3, 2026Listed$399,000
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: COLDWELL BANKER VANGUARD REALTY
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.
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Krista Fracke
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