This home is in Azalea Ridge, Middleburg.

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4122 Fishing Creek Lane, Middleburg, FL 32068

$340,000

MLS# 2150749

Bedrooms

Bathrooms

1,795

Sq Ft

2018

Year Built

About This Home — 4122 Fishing Creek Lane

Welcome home to this beautifully maintained 2018-built home offering nearly 1,800 square feet of stylish, move-in ready living space. From the moment you step inside, you'll appreciate the wood-look tile flooring that flows throughout the main living areas, creating a warm and modern feel, while plush carpet adds comfort to the bedrooms. The open-concept floor plan is perfect for entertaining and everyday living, featuring a spacious kitchen with granite countertops, stainless steel appliances, a large center island, and ample cabinet and counter space overlooking the living and dining areas. The private owner's suite is designed for comfort, complete with an elegant tray ceiling, crown moulding, two walk-in closets, and a luxurious ensuite bath featuring an expansive dual-sink vanity and a beautifully tiled walk-in shower. One of the secondary bedrooms offers elegant French doors, making it an ideal home office, guest room, or flex space.

Features

Price$340,000

Price / Sq Ft$189

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,795

Acres0.14 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address4122 Fishing Creek Lane, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,098.4 sq ft

Parcel Number36042400592400953

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio

FencingBack Yard, Vinyl

RoofShingle

ConstructionFiber Cement

Road SurfaceAsphalt

Additional Information

Date ListedJune 27, 2026

Days on Market4

HOA Fees$88 / Annually

HOA FrequencyAnnually

Tax Amount$4,173.97

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

$340,000

Down Payment: 20%

$68,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,810

Principal & Interest: $1,810

Est. Taxes & Insurance: $452

Estimated Total Monthly

$2,262

*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$1,810

Property taxesest. at asking price, Clay County$524

HOAbilled annually$7

Estimated total, before insurance$2,341/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	$292,913	$179,221	—

2025 property taxes (current owner): $4,174/yr

Estimated taxes if purchased at asking price: ~$6,300/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 2018)

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

Solar potential: ~1,651 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.