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Active Under Contract

Active Under Contract·40 days on market

2856 Ravines Road

Middleburg, FL 32068

$565,000$177/sqftEst. $2,992/moMLS# 2159551
↓ $10,000 below original list
4
Beds
2
Baths
3,188
Sq Ft
1985
Built
2.5
Garage
Yes
Pool
FEMA Zone XHOA $93/mo0.68 acresSingle Family Residence1 story

About this home

Middleburg

Beautifully updated custom estate pool home on a private .67-acre preserve lot with a fully fenced backyard. This exceptional home features a new roof with transferable warranty, two new water heaters, newer dual-pane double-hung windows, and custom lighting throughout. Cali Bamboo wood flooring graces the main living areas, with new carpet in the bedrooms. The fully remodeled kitchen boasts double ovens, undermounted sink, quiet-close cabinets, and granite countertops. A spacious den with built-ins and custom art lighting is filled with natural light and overlooks the pool and preserve lot. Enjoy the saltwater pool surrounded by beautiful travertine tile, with abundant wildlife creating a peaceful private setting. The inviting living area features a gas fireplace, while the updated guest bath offers a walk-in shower. The desirable split-bedroom floorplan provides privacy and functionality. A truly special home with thoughtful updates and an exceptional outdoor retreat!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,992
Property taxesest. at asking price, Clay County$866
HOAbilled monthly$93
Estimated total, before insurance$3,951/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,818/yr · $318/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$565,000
$113,000
Loan Term
Monthly Payment
$2,992
Principal & Interest: $2,992
Property taxes (est.): $866
Insurance (est.): $377
Estimated Total Monthly
$4,235
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1985)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,139 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,818/yr

Estimated taxes if purchased at asking price: ~$10,400/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, NEFMLS.

History

Price & status history

  • Sep 3, 2026Active Under Contract$565,000
  • Aug 31, 2026Price change$565,000−$10,000
  • Aug 11, 2026Listed$575,000

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

Features

Price$565,000
Price / Sq Ft$177
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage3,188
Acres0.68 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2.5
Has PoolYes
Pool FeaturesIn Ground, Pool Sweep, Salt Water
Is WaterfrontNo

School Information

ElementaryShadowlawn
MiddleLake Asbury
HighMiddleburg

Community Information

Address2856 Ravines Road, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionThe Ravines
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size29,620.8 sq ft
Parcel Number13052402138804700
ZoningResidential

Amenities

AmenitiesGated, Maintenance Grounds
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Microwave, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityGated with Guard, Security Gate

Exterior

Patio / PorchDeck, Patio, Screened
FencingFenced
RoofShingle
ConstructionBrick
Road FrontageCity Street

Additional Information

Date ListedAugust 11, 2026
Days on Market24
HOA Fees$93 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSecurity
Tax Amount$3,818.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, LLC · jengregory904@gmail.com

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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Krista Fracke - Broker Associate

Krista Fracke

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