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Pending

Pending·21 days on market

4630 Pine Ridge Parkway

Middleburg, FL 32068

$310,000$198/sqftEst. $1,576/moMLS# 2153242

Beds

Baths

1,568

Sq Ft

2021

Built

Garage

Pool

About this home

Middleburg

Beautiful 3 Bedroom, 2 Bath Home in Desirable Pine Ridge Immaculate 3-bedroom, 2-bath single-family home located in the highly sought-after Pine Ridge community with a low HOA fee. Built in 2021, this move-in-ready home features luxury vinyl plank flooring throughout, creating a modern and low-maintenance living space. Situated on a large lot overlooking a peaceful pond and preserve, the backyard offers plenty of room to add a pool and enjoy Florida outdoor living. The open floor plan is perfect for both everyday living and entertaining. For added peace of mind, the home includes approximately 5 years remaining on the builder's warranty, and the seller is also providing a home warranty with an acceptable offer. Enjoy all that Pine Ridge has to offer, including a community pool and convenient location close to shopping, dining, schools, and major roadways.

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,576

Principal & Interest: $1,576

Property taxes (est.): $475

Insurance (est.): $207

Estimated Total Monthly

$2,257

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,576

Property taxesest. at asking price, Clay County$475

HOAbilled annually$8

Estimated total, before insurance$2,059/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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 2021)

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

Solar potential: ~1,758 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

Jul 10, 2026Pending$310,000
Jul 9, 2026Price change$310,000−$15,000
Jul 1, 2026Listed$325,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$310,000

Price / Sq Ft$198

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,568

Total Structure Area1,568 sq ft

Acres0.25 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryTynes

MiddleWilkinson

HighRidgeview

Community Information

Address4630 Pine Ridge Parkway, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionPine Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size10,890 sq ft

Lot Dimensions10997

Parcel Number25-04-24-005583-00

ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingAttached, Garage