Active·45 days on market
4518 Pine Ridge Parkway
Middleburg, FL 32068
About this home
Middleburg
Welcome to 4518 Pine Ridge Parkway, where space, flexibility, and modern living come together in one of Middleburg's most desirable communities. Built in 2022, this beautifully maintained 5-bedroom, 3-bathroom home offers over 2,700 square feet of thoughtfully designed living space, including a highly sought-after first-floor bedroom and full bathroom, an upstairs loft, and a spacious 3-car garage. The open-concept floor plan creates the perfect setting for everyday living and entertaining. The kitchen overlooks the dining and living areas, allowing everyone to stay connected whether hosting guests or enjoying a quiet night at home. Large windows provide abundant natural light and create a bright, welcoming atmosphere throughout the main living spaces.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $408,900 in April 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $392,148 | $392,148 | — |
| 2024 | $406,009 | $406,009 | — |
| 2023 | $407,416 | $407,416 | — |
| 2022 | $45,000 | $25,850 | — |
| 2021 | $23,500 | $23,500 | — |
| 2020 | $23,500 | $23,500 | — |
2025 property taxes (current owner): $9,182/yr
Estimated taxes if purchased at asking price: ~$8,400/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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,768 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.
History
Price & status history
- Jul 23, 2026Price change$454,999−$5,000
- Jun 24, 2026Listed$459,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 INTEGRA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines