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Active Under Contract

Active Under Contract·22 days on market

3923 Lake Crest Terrace

Middleburg, FL 32068

$310,000$153/sqftEst. $1,581/moMLS# 2152240

Beds

Baths

2,020

Sq Ft

2002

Built

Garage

Pool

About this home

Middleburg

Located in the gated community of The Ravines in Middleburg, this immaculately maintained, move-in ready 4-bedroom, 2-bath brick-front home offers serene pond views, a spacious screened porch, and a desirable split floor plan. Situated on a quiet cul-de-sac on a 0.29-acre lot, this beautifully cared-for home offers 2,020 square feet of inviting living space. From the moment you arrive, you'll appreciate the pride of ownership and exceptional care throughout. Inside, the split floor plan provides inviting living spaces ideal for both daily living and entertaining. The living room features a cozy fireplace, while the peaceful pond view just beyond adds to the home's relaxing atmosphere. Additional peace of mind comes with a roof and HVAC replaced in 2019. The spacious kitchen offers plenty of room for cooking and gathering with family and friends, features new appliances, and flows beautifully into the main living areas. Additional...

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,581

Principal & Interest: $1,581

Property taxes (est.): $475

Insurance (est.): $207

Estimated Total Monthly

$2,262

*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$1,581

Property taxesest. at asking price, Clay County$475

HOAbilled monthly$93

Estimated total, before insurance$2,149/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,913/yr · $159/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	$302,146	$91,350	—
2024	$297,849	$87,928	—
2023	$285,250	$88,766	—
2022	$225,053	$84,725	—
2021	$193,022	$80,801	—
2020	$189,094	$78,996	—

2025 property taxes (current owner): $1,913/yr

Estimated taxes if purchased at asking price: ~$5,700/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.

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: material not specified — year not disclosed (home built 2002)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,554 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