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This home is in Azalea Ridge, Middleburg.

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Active

Active·82 days on market·Azalea Ridge

4398 Warm Springs Way

Middleburg, FL 32068

$335,000$196/sqftEst. $1,720/moMLS# 2148433

Beds

Baths

1,705

Sq Ft

2020

Built

Garage

Pool

About this home

Azalea Ridge

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.

Cost to own

Mortgage calculator

Home Price

$335,000

Down Payment: 20%

$67,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,720

Principal & Interest: $1,720

Property taxes (est.): $513

Insurance (est.): $223

Estimated Total Monthly

$2,457

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$1,720

Property taxesest. at asking price, Clay County$513

HOAbilled annually$7

Estimated total, before insurance$2,241/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,083/yr · $424/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).

Cost to own

Taxes & assessment

Last sold: $330,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$275,069	$224,347	—
2024	$283,461	$233,461	—
2023	$284,564	$243,123	—
2022	$261,224	$221,021	—
2021	$200,929	$200,929	—
2020	$28,000	$28,000	—

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 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 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

As 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.

History

Price & status history

Jun 3, 2026Listed$335,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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