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This home is in Azalea Ridge, Middleburg.

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Active

Active·20 days on market·Azalea Ridge

4032 Sandbank Court

Middleburg, FL 32068

$320,000$200/sqftEst. $1,643/moMLS# 2158263

Beds

Baths

1,604

Sq Ft

2021

Built

Garage

Pool

About this home

Azalea Ridge

Welcome to low-maintenance living in Freedom at Azalea Ridge, a gated 55+ community designed for an active lifestyle. This beautifully maintained 3-bedroom, 2-bath home offers 1,604 square feet of thoughtfully designed living space with an open-concept layout, soaring ceilings, abundant natural light, and a spacious kitchen featuring a large island, stainless steel appliances, and generous cabinetry. The private owner's suite includes a tray ceiling, walk-in closet, and en-suite bath with dual vanities. Enjoy your morning coffee or evening unwind on the screened lanai overlooking the partially fenced backyard. Lawn care is included, giving you more time to enjoy resort-style amenities including clubhouses, pools, fitness center, bocce courts, walking trails, dog park, social activities, and more. Some photos have been virtually staged.

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,643

Principal & Interest: $1,643

Property taxes (est.): $490

Insurance (est.): $213

Estimated Total Monthly

$2,347

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,643

Property taxesest. at asking price, Clay County$490

HOAbilled monthly$225

Estimated total, before insurance$2,359/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,547/yr · $379/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,547/yr

Estimated taxes if purchased at asking price: ~$5,900/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, 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: 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: ~1,749 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 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

Aug 2, 2026Listed$320,000

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

Features

Price$320,000

Price / Sq Ft$200

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,604

Acres0.14 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address4032 Sandbank Court, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size6,098.4 sq ft

Parcel Number36042400592400834

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Playground, Spa/Hot Tub

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air

FlooringTile

# of Stories1

LaundryIn Unit