Active·90 days on market
3764 Creek Hollow Lane
Middleburg, FL 32068
About this home
Middleburg
**MOTIVATED SELLERS | PRICED AT RECENT APPRAISED VALUE** Welcome to this well maintained 3-bedroom, 2-bath home situated in the desirable estate section of the gated Ravines community. Set on a spacious half-acre lot, this home features an inviting open-concept, split-bedroom floor plan with a tasteful coastal-inspired design throughout. The bright and airy living spaces flow effortlessly, creating a comfortable atmosphere for both everyday living and entertaining. One of the home's standout features is the enclosed sunroom, complete with a 14 x 7 swim spa- hot tub offering a private retreat to relax and unwind year-round. The half-acre lot provides plenty of space for outdoor activities while maintaining a peaceful, private rural setting. Conveniently located near shopping, dining, and everyday amenities, the home also offers quick access to the First Coast Expressway (SR-23), making travel throughout the greater Jacksonville area easy and convenient.
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 1995)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from Clay County Utilities per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,721 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 | $322,020 | $175,298 | — |
| 2024 | $309,918 | $169,651 | — |
| 2023 | $304,085 | $163,254 | — |
| 2022 | $269,933 | $157,043 | — |
| 2021 | $223,884 | $151,013 | — |
| 2020 | $217,705 | $148,238 | — |
2025 property taxes (current owner): $3,193/yr
Estimated taxes if purchased at asking price: ~$7,700/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
- Aug 27, 2026Price change$420,000−$8,000
- Aug 20, 2026Price change$428,000−$1,000
- Aug 15, 2026Price change$429,000−$1,000
- Aug 5, 2026Price change$430,000−$4,000
- Jul 30, 2026Price change$434,000−$1,000
- Jul 17, 2026Price change$435,000−$5,000
- Jul 9, 2026Price change$440,000−$5,000
- Jun 24, 2026Listed$445,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KALLAM REALTY GROUP PLLC · Bryan@KallamRG.com
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.
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Krista Fracke
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