Active·56 days on market
1010 Wetland Ridge Circle
Middleburg, FL 32068
About this home
Middleburg
MOTIVED SELLER. Beautiful 3-bedroom, 2-bath home Plus a dedicated office that can easily be converted into a 4th bedroom! This home features a spacious split floor plan, a large guest bathroom with dual vanities, and a generous primary suite with dual vanities, a garden tub, and a separate walk-in shower. Enjoy a fully fenced backyard with a screened lanai, perfect for relaxing or entertaining, along with a whole-house Water Filtration System. Located in the desirable Pine Ridge Plantation community residents enjoy access to a community pool, playground, pickleball and tennis courts, clubhouse, and scenic walking and biking trails. Conveniently located in the desirable Clay County School District and less than one mile from Tynes Elementary School. USDA eligible! Qualified buyers may qualify for 100% financing with No Down Payment. Built in 2015, this exceptionally well-maintained home of offers peace of mind with all major systems.
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2015)
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: ~1,796 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 August 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
- Sep 14, 2026Price change$325,000−$5,000
- Aug 28, 2026Price change$330,000−$35,000
- Aug 15, 2026Price change$365,000−$5,000
- Jul 31, 2026Listed$370,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MAMBA REALTY, LLC
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
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