This home is in Azalea Ridge, Middleburg.

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Active Under Contract

Active Under Contract·25 days on market·Azalea Ridge

1978 Rock Springs Way

Middleburg, FL 32068

$325,000$173/sqftEst. $1,730/moMLS# 2150528

Beds

Baths

1,881

Sq Ft

2016

Built

Azalea Ridge

About this home

Why wait to build when this move-in ready home already has the upgrades done for you? Built in 2016, this spacious 4-bedroom, 2-bath home offers an open-concept floor plan designed for both everyday living and entertaining. The heart of the home is the oversized kitchen featuring a huge center island with breakfast bar seating, abundant cabinet and counter space, and loads of storage. The expansive living and dining areas create a bright, welcoming space that lives larger than its square footage. Retreat to the generously sized primary suite and well-appointed ensuite bath. Outside, enjoy the fully fenced backyard with space for pets, play, and backyard gatherings. Located in one of Clay County's most desirable communities with fantastic amenities and access to A-rated schools, also offers a convenient commute via the First Coast Expressway to NAS Jacksonville, downtown Jacksonville, shopping, dining. This property is USDA eligible with zero downpayment for those who qualify.

Features

Price$325,000

Price / Sq Ft$173

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,881

Acres0.18 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMiddleburg

MiddleLake Asbury

HighMiddleburg

Community Information

Address1978 Rock Springs Way, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,840.8 sq ft

Parcel Number01052400592400631

ZoningPUD

Amenities

AmenitiesPool, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories1

LevelsOne

Exterior

Patio / PorchPatio

FencingBack Yard

RoofShingle

ConstructionFrame

Road SurfaceAsphalt

Additional Information

Date ListedJune 14, 2026

Days on Market14

HOA Fees$88 / Annually

HOA FrequencyAnnually

HOA Fee IncludesMaintenance Grounds

Tax Amount$4,331.22

Tax Year2025

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

55+ CommunityNo

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 annually$7

Estimated total, before insurance$2,238/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	$288,034	$174,547	—

2025 property taxes (current owner): $4,331/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.

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 2016)

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

Solar potential: ~1,750 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.

History