Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Azalea Ridge, Middleburg.

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Pending

Pending·66 days on market·Azalea Ridge

1837 Marias River Court

Middleburg, FL 32068

$379,900$174/sqftEst. $1,951/moMLS# 2151072

Beds

Baths

2,182

Sq Ft

2009

Built

Garage

Pool

About this home

Azalea Ridge

Enjoy extra space inside and out with this exceptional 4-bedroom ranch featuring a 3-car garage, peaceful pond views, and a rare cul-de-sac location. Step inside to a bright and open floorplan featuring tall ceilings, modern vinyl flooring, and fresh interior paint throughout. With two living areas, two dining spaces, and a versatile fourth bedroom or study, the home offers endless flexibility for entertaining, everyday living, and tailoring the layout to fit your lifestyle. The well-appointed kitchen features stainless steel appliances and opens seamlessly to the spacious family room, highlighted by a vaulted ceiling that enhances the light and airy feel of the space. Brand new carpeting in all bedrooms and brand new LVP in both bathrooms! The primary suite features a private ensuite bath and THREE walk-in closets, offering exceptional storage and comfort. Relax and unwind on the covered walkout patio overlooking a sprawling fenced backyard with peaceful pond views.

Cost to own

Mortgage calculator

Home Price

$379,900

Down Payment: 20%

$75,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,951

Principal & Interest: $1,951

Property taxes (est.): $582

Insurance (est.): $253

Estimated Total Monthly

$2,786

*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$1,951

Property taxesest. at asking price, Clay County$582

HOAbilled annually$7

Estimated total, before insurance$2,541/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,490/yr · $374/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

Year	Market value	Taxable value	Change
2025	$314,688	$124,655	—
2024	$329,465	$120,294	—
2023	$332,483	$115,189	—
2022	$307,964	$114,733	—
2021	$239,118	$109,921	—
2020	$220,300	$107,707	—

2025 property taxes (current owner): $4,490/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2009)

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

Solar potential: ~1,753 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

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.

Features

Price$379,900

Price / Sq Ft$174

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,182

Acres0.54 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address1837 Marias River Court, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size23,522.4 sq ft

Parcel Number36042400592400350

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

SecuritySmoke Detector(s)