Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Azalea Ridge, Middleburg.

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Active

Active·1 day on market·Azalea Ridge

4345 Green River Place

Middleburg, FL 32068

$329,000$205/sqftEst. $1,690/moMLS# 2161269

Beds

Baths

1,605

Sq Ft

2021

Built

Garage

Pool

About this home

Azalea Ridge

Meticulously maintained by the original owner, this pristine, pet-free home is move-in ready! Located behind the secure gates of the Freedom at Azalea Ridge 55+ community, this 3BR/2BA gem shines with fresh exterior paint and a bright open floor plan. Features include integrated SmartHome package, tile flooring, sliding glass doors, primary bedroom tray ceiling, full-house gutters, large breakfast island, Quartz counters and double-oven range. Step outside to an oversized, covered & screened lanai overlooking a large back yard with expansive, serene views. Extra storage is easy with a garage ceiling storage rack. Living in Freedom AR means access to two tiers of amenities: Freedom's resort lifestyle with private community pool, 24-hour fitness center, dog park and on-site Lifestyle Director, alongside the master development's pools, fitness center, playground and clubhouse. Plus, the Freedom HOA covers all lawn care, allowing you more time to relax! Schedule your tour today

Cost to own

Mortgage calculator

Home Price

$329,000

Down Payment: 20%

$65,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,690

Principal & Interest: $1,690

Property taxes (est.): $504

Insurance (est.): $219

Estimated Total Monthly

$2,413

*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$1,690

Property taxesest. at asking price, Clay County$504

HOAbilled monthly$225

Estimated total, before insurance$2,419/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,002/yr · $417/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): $5,002/yr

Estimated taxes if purchased at asking price: ~$6,100/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: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,739 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 21, 2026Listed$329,000

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

Features

Price$329,000

Price / Sq Ft$205

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,605

Acres0.17 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

School Information

ElementaryTynes

MiddleWilkinson

HighMiddleburg

Community Information

Address4345 Green River Place, Middleburg, FL 32068

Area141-Middleburg NW

SubdivisionAzalea Ridge

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size7,405.2 sq ft

Parcel Number36042400592400855

ZoningSingle Family

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Maintenance Grounds, Management - Off Site, Playground, Spa/Hot Tub

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)