Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 38

Active

Active·7 days on market

3967 Lake Crest Terrace

Middleburg, FL 32068

$375,000$165/sqftEst. $1,912/moMLS# 2157612

Beds

Baths

2,274

Sq Ft

2003

Built

Garage

Pool

About this home

Middleburg

Tucked at a quiet dead-end street inside this coveted gated community of The Ravines, this 4-bed, 3-bath stucco beauty is the find you've been waiting for. New roof in 2021 means one less thing to worry about. Peaceful streets, gorgeous community vibes, and space to truly spread out. Step inside 2,274 sq ft of smartly designed living. The main floor delivers a primary suite with a spa-like ensuite (separate shower + soaking tub) and a walk-in closet that actually fits your wardrobe. Two additional bedrooms share a full bath, plus a formal dining room that could even be converted to bedroom if you need it. Upstairs? That's where the magic lives. A spacious loft with its own ensuite bath--perfect as an in-law suite, private home office, guest retreat, or the playroom the kids have been begging for. Schedule your private tour today--this one won't last.

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,912

Principal & Interest: $1,912

Property taxes (est.): $575

Insurance (est.): $250

Estimated Total Monthly

$2,737

*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$1,912

Property taxesest. at asking price, Clay County$575

HOAbilled monthly$93

Estimated total, before insurance$2,580/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$341,403	$0	—
2024	$336,541	$293,120	—
2023	$322,167	$266,473	—
2022	$252,603	$242,249	—
2021	$220,227	$220,227	—
2020	$213,465	$213,465	—

2025 property taxes (current owner): $358/yr

Estimated taxes if purchased at asking price: ~$6,900/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,579 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 29, 2026Listed$375,000

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

Features

Price$375,000

Price / Sq Ft$165

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,274

Total Structure Area2,962 sq ft

Acres0.27 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionFixer

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3967 Lake Crest Terrace, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionRavines

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size11,761.2 sq ft

Lot Dimensions85 x 150 ft approx.

Parcel Number13052402138808476

ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street, On Street

Interior

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

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas, Wood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup