$347,500Sold4 bd · 3 ba · 2,274 sq ft
Sold·Closed Sep 28, 2026·96 days on market
3967 Lake Crest Terrace
Middleburg, FL 32068
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
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.
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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 11 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 1 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 5 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 9 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$6,400/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.
History
Price & status history
- Sep 30, 2026Closed$345,000
- Sep 10, 2026Pending$345,000
- Sep 3, 2026Active Under Contract$345,000
- Aug 24, 2026Price change$345,000−$5,000
- Aug 18, 2026Price change$350,000−$15,000
- Aug 11, 2026Price change$365,000−$10,000
- Jul 29, 2026Listed$375,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $172/sq ft; this home is listed at $153/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4032 Edgeland Trail, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLC | Oct 2026 | $395,000 | $172 | 4/2 | 2,292 | 108 | 0.1 |
| 3923 Lake Crest Terrace, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $315,000 | $156 | 4/2 | 2,020 | 10 | 0.1 |
| 3804 Nature Walk Court, Middleburg, FL 32068Listed by REALHOME SERVICES AND SOLUTIONS INC | Sep 2026 | $255,150 | $123 | 5/3 | 2,067 | 100 | 0.2 |
| 2725 Ravine Hill Drive, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $340,000 | $149 | 4/2.5 | 2,280 | 129 | 0.4 |
| 3114 Zeyno Drive, Middleburg, FL 32068Listed by KALLAM REALTY GROUP PLLC | Sep 2026 | $281,500 | $175 | 3/2 | 1,608 | 149 | 0.4 |
| 2810 Ravines Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $428,000 | $175 | 4/3 | 2,451 | 177 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FREEDOM REALTY GROUP LLC
Sold by: EPIQUE REALTY, INC (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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