This home is in Azalea Ridge, Middleburg.

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Active

4398 Warm Springs Way, Middleburg, FL 32068

$335,000

MLS# 2148433

Bedrooms

Bathrooms

1,705

Sq Ft

2020

Year Built

About This Home — 4398 Warm Springs Way

Welcome to this 4-bedroom, 2-bathroom home in the desirable Azalea Ridge community. Built in 2020, this residence features a spacious open-concept floor plan designed for comfortable living and easy entertaining. The large living and dining areas flow seamlessly into the kitchen, creating an inviting space for gatherings and everyday life. LVP and carpet flooring throughout provide a blend of style and comfort. Enjoy relaxing pond views from the extended patio, perfect for outdoor dining, grilling, or entertaining. With four generously sized bedrooms and two full bathrooms, this home offers flexibility for everyone! While the home could benefit from some fresh interior paint, it presents a great opportunity to add your personal touch. Residents enjoy access to two pools, a clubhouse, and a fitness center. Don't miss this waterfront opportunity in sought-after Azalea Ridge.

Features

Price$335,000

Price / Sq Ft$196

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,705

Total Structure Area2,125 sq ft

Acres0.15 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address4398 Warm Springs Way, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,534 sq ft

Parcel Number02052400592401137

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, On Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s), Other

Exterior

Patio / PorchPatio

RoofShingle

ConstructionOther

Road SurfacePaved

Road FrontageCity Street

Additional Information

Date ListedJune 3, 2026

Days on Market17

HOA Fees$88 / Annually

HOA FrequencyAnnually

HOA Fee IncludesMaintenance Grounds

Tax Amount$5,082.95

Tax Year2025

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

55+ CommunityNo

New ConstructionNo

About Azalea Ridge

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

View all Azalea Ridge homes for sale →

Mortgage Calculator

Home Price

$335,000

Down Payment: 20%

$67,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,783

Principal & Interest: $1,783

Est. Taxes & Insurance: $446

Estimated Total Monthly

$2,229

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

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

Principal & interest20% down · 7.0% · 30yr$1,783

Property taxesest. at asking price, Clay County$516

HOAbilled annually$7

Estimated total, before insurance$2,306/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.

Taxes & Assessment

Year	Market value	Taxable value	Change
2025	$275,069	$224,347	—

2025 property taxes (current owner): $5,083/yr

Estimated taxes if purchased at asking price: ~$6,200/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 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.

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 2020)

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

Solar potential: ~1,772 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.