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This home is in Azalea Ridge, Middleburg.

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Active Under Contract

Active Under Contract·56 days on market·Azalea Ridge

4122 Fishing Creek Lane

Middleburg, FL 32068

$340,000$189/sqftEst. $1,746/moMLS# 2150749

Beds

Baths

1,795

Sq Ft

2018

Built

Garage

Pool

About this home

Azalea Ridge

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.

Cost to own

Mortgage calculator

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,746

Principal & Interest: $1,746

Property taxes (est.): $521

Insurance (est.): $227

Estimated Total Monthly

$2,494

*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$1,746

Property taxesest. at asking price, Clay County$521

HOAbilled annually$7

Estimated total, before insurance$2,275/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,174/yr · $348/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: $350,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$292,913	$179,221	—
2024	$303,262	$217,805	—
2023	$305,761	$305,761	—
2022	$281,198	$238,686	—
2021	$216,988	$216,988	—
2020	$199,166	$199,166	—

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 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 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

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

Jul 20, 2026Active Under Contract$340,000
Jun 27, 2026Listed$340,000

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

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 Under Contract

# 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)