This home is in Azalea Ridge, Middleburg — a home near Middleburg High School.
Sold·Closed Jul 28, 2026·15 days on market·Recent sales in Azalea Ridge·Azalea Ridge
1978 Rock Springs Way
Middleburg, FL 32068
9 more homes for sale in Azalea Ridge →Search Azalea Ridge on the map
About this home
Azalea Ridge
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.
Next steps in Azalea Ridge
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 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 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 | $288,034 | $174,547 | — |
| 2024 | $298,264 | $168,921 | — |
| 2023 | $300,752 | $162,545 | — |
| 2022 | $277,725 | $156,355 | — |
| 2021 | $215,218 | $150,345 | — |
| 2020 | $197,579 | $147,579 | — |
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 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
- Jul 28, 2026Closed$325,000
- Jun 13, 2026Listed$325,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $170/sq ft; this home is listed at $173/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1841 Cherry Creek Way, Middleburg, FL 32068Listed by WATSON REALTY CORP | Sep 2026 | $288,000 | $183 | 3/2 | 1,572 | 103 | 0.1 |
| 1866 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Aug 2026 | $300,000 | $162 | 4/2 | 1,856 | 55 | 0.1 |
| 1837 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Aug 2026 | $299,900 | $162 | 4/2 | 1,856 | 61 | 0.1 |
| 4327 Warm Springs Way, Middleburg, FL 32068Listed by TOP SOURCE REALTY LLC | Jul 2026 | $259,900 | $152 | 4/2 | 1,705 | 41 | 0.4 |
| 3832 Great Falls Loop, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $349,900 | $170 | 4/3 | 2,058 | 41 | 0.4 |
| 1837 Marias River Court, Middleburg, FL 32068Listed by MARKETPLACE HOMES | Sep 2026 | $370,000 | $170 | 4/2 | 2,182 | 17 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM 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.
The neighborhood
About Azalea Ridge
Azalea Ridge is a neighborhood in Jacksonville, FL (Clay County), ZIP 32068.
View all Azalea Ridge homes for sale →Keep looking
More homes in Azalea Ridge
Pending1608 Azalea Ridge BoulevardMiddleburg, FL 32068
4 bd · 2 ba · 1,705 sq ft
$325,000Est. $1,730/moWelcome home to this adorable 4-bedroom, 2-bathroom home in the highly desirable Azalea Ridge community of Middleburg!…
Listing Office: keller williams st johns
Pending4345 Green River PlaceMiddleburg, FL 32068
3 bd · 2 ba · 1,605 sq ft
$329,000Est. $1,751/moMeticulously maintained by the original owner, this pristine, pet-free home is move-in ready! Located behind the secure…
Listing Office: christie's international real estate first coast
Under Contract4032 Sandbank CourtMiddleburg, FL 32068
3 bd · 2 ba · 1,604 sq ft
$320,000Est. $1,703/moWelcome to low-maintenance living in Freedom at Azalea Ridge, a gated 55+ community designed for an active lifestyle.…
Listing Office: realty one group elevate
For Sale4398 Warm Springs WayMiddleburg, FL 32068
4 bd · 2 ba · 1,705 sq ft
$335,000Est. $1,783/moWelcome to this 4-bedroom, 2-bathroom home in the desirable Azalea Ridge community. Built in 2020, this residence…
Listing Office: watson realty corp
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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