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Active

Active·42 days on market

3764 Creek Hollow Lane

Middleburg, FL 32068

$430,000$202/sqftEst. $2,192/moMLS# 2152064

Beds

Baths

2,128

Sq Ft

1995

Built

Garage

Pool

About this home

Middleburg

Welcome to this well maintained 3-bedroom, 2-bath home nestled in the desirable estate section of the gated Ravines community. Situated on a spacious half-acre lot, this home offers an inviting open-concept, split-bedroom floor plan accented by a coastal theme throughout. The bright and airy living spaces flow seamlessly, creating the perfect setting for both everyday living and entertaining. A standout feature of the home is the enclosed sunroom, complete with a swim spa, providing a private retreat to relax and enjoy year-round. The oversized lot offers plenty of room for outdoor activities while maintaining a peaceful setting. Conveniently located near shopping, dining, and everyday amenities, with quick access to the First Coast Expressway (SR-23), commuting to the greater Jacksonville metro area is effortless. Families will appreciate being located within the highly sought-after A-rated Clay County School District. This exceptional property combines comfort

Cost to own

Mortgage calculator

Home Price

$430,000

Down Payment: 20%

$86,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Property taxes (est.): $659

Insurance (est.): $287

Estimated Total Monthly

$3,138

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,192

Property taxesest. at asking price, Clay County$659

HOAbilled monthly$93

Estimated total, before insurance$2,944/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,193/yr · $266/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	$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: ~$7,900/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 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 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

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

Price$430,000

Price / Sq Ft$202

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,128

Total Structure Area2,974 sq ft

Acres0.45 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSoutheast

School Information

ElementaryMiddleburg

MiddleWilkinson

HighMiddleburg

Community Information

Address3764 Creek Hollow Lane, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionRavines

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size19,602 sq ft

Lot Dimensions105 X 200

Parcel Number13052402138808041

ZoningResidential

Amenities

AmenitiesGated, RV/Boat Storage, Security

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided, Wood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityGated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesAbove Ground, Private