This home is in Azalea Ridge, Middleburg.
Active·21 days on market·Azalea Ridge
3825 Bronco Road
Middleburg, FL 32068
About this home
Azalea Ridge
Welcome home to your Spacious 5 bedroom/3 Full Bath home located just south of Oakleaf/Eagle Landing in Azalea Ridge. This DR Horton home has an inviting and well thought out layout and is perfect for large families and entertaining. There is also a first-floor office and a bonus room on the second floor. The property features a large fenced in back yard and a wood deck. Conveniently located near restaurants, shopping, NAS Jax, hospitals, schools and the First Coast Expressway! This part of Middleburg has experienced significant growth over the past few years. Jennings State Forest and other parks and trails are only minutes away. Azalea Ridge has a beautiful new amenity center and multiple pools/playgrounds across the neighborhood.
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: $410,000 in December 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $381,813 | $381,813 | — |
| 2024 | $395,976 | $395,976 | — |
| 2023 | $397,677 | $397,677 | — |
| 2022 | $368,042 | $222,162 | — |
| 2021 | $285,347 | $214,235 | — |
| 2020 | $260,587 | $210,587 | — |
2025 property taxes (current owner): $7,145/yr
Estimated taxes if purchased at asking price: ~$7,400/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 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,784 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
- Aug 17, 2026Price change$399,999−$10,001
- Aug 4, 2026Price change$410,000−$5,000
- Jul 2, 2026Listed$415,000
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
The neighborhood
About Azalea Ridge
Azalea Ridge is a neighborhood in Jacksonville, FL (Clay County), ZIP 32068.
View all Azalea Ridge homes for sale →Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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