Active·21 days on market
4537 Pine Ridge Parkway
Middleburg, FL 32068
About this home
Middleburg
Welcome to 4537 Pine Ridge Parkway, a spacious two-story home in a convenient Middleburg location. This inviting property offers a comfortable floor plan with plenty of room for everyday living, entertaining, and growing families. The main level provides a welcoming living space with an easy flow into the kitchen and dining areas, creating a great setting for family gatherings and entertaining. Upstairs, you'll find generously sized bedrooms, including a comfortable primary suite offering a private retreat at the end of the day.
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 (that applies to the reference bill above too).
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,777 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 September 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:18 AM, sunset 7:19 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,729/yr
Estimated taxes if purchased at asking price: ~$8,500/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 10, 2026Price change$460,000−$10,000
- Sep 4, 2026Active$470,000
- Aug 18, 2026Listed$470,000
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: MARK SPAIN REAL ESTATE
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.
Keep looking
More homes in Pine Ridge
For Sale4518 Pine Ridge ParkwayMiddleburg, FL 32068
5 bd · 3 ba · 2,730 sq ft
$439,999Est. $2,342/moWelcome to 4518 Pine Ridge Parkway, where space, flexibility, and modern living come together in one of Middleburg's…
Listing Office: century 21 integra
For Sale4564 Pine Ridge ParkwayMiddleburg, FL 32068
5 bd · 3 ba · 2,649 sq ft
$435,000Est. $2,315/moWelcome home to this spacious, newer home tucked away in a beautiful, peaceful community with wonderful amenities!…
Listing Office: real broker llc
For Sale1234 Wetland Ridge CircleMiddleburg, FL 32068
5 bd · 3 ba · 3,508 sq ft
$510,000Est. $2,714/moMove-in ready and beautifully updated, this spacious 3,508 sq ft home is ready for new owners! The impressive entry…
Listing Office: florida homes realty & mtg llc
For Sale1071 Wetland Ridge CircleMiddleburg, FL 32068
5 bd · 2.5 ba · 2,592 sq ft
$399,000Est. $2,124/mo* Ask about seller credit for repairs * Welcome to your future home in the sought-after Pine Ridge neighborhood!…
Listing Office: freedom realty group llc
Keep looking
Similar homes in Middleburg
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines