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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Azalea Ridge, Middleburg.

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Active·13 days on market·Azalea Ridge

4319 Green River Place

Middleburg, FL 32068

$349,000$175/sqftEst. $1,848/moMLS# 2163680
3
Beds
2
Baths
1,991
Sq Ft
2020
Built
2
Garage
No
Pool
FEMA Zone XHOA $225/mo6,970 sqft lotSingle Family Residence1 story

About this home

Azalea Ridge

Better than new! Beautiful open floor plan. This home has been lovingly cared for and it shows. Many special features have been added to enhance the carefree lifestyle of this 55+ community. If you are ready to enjoy life and not worry about maintenace, come take a look. Screened lanai with vinyl windows, seamless gutters, Rain soft water system, entire house repainted with Rhino shield quality paint from Sherwin Williams, Shark coating on flooring at the lanai, patio and front walk. Inside you will find ceiling fans in all rooms, a murphy bed in the guest room, PVC blinds on all windows and more. Stunning kitchen with quartz counters, gigantic island, corner panty and lots of storage space. Huge master suite with his and hers closets. Couple all this with the community pool, clubhouse, fitness center, social activities and more and call it PERFECT !! The photos will wow you !! Furniture is negotiable.

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$1,848
Property taxesest. at asking price, Clay County$535
HOAbilled monthly$225
Estimated total, before insurance$2,608/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,496/yr · $291/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

$349,000
$69,800
Loan Term
Monthly Payment
$1,848
Principal & Interest: $1,848
Property taxes (est.): $535
Insurance (est.): $233
Estimated Total Monthly
$2,616
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,648 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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,496/yr

Estimated taxes if purchased at asking price: ~$6,400/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 5, 2026Listed$349,000

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

Features

Price$349,000
Price / Sq Ft$175
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,991
Total Structure Area2,686 sq ft
Acres0.16 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
55+ CommunityYes

School Information

HighMiddleburg

Community Information

Address4319 Green River Place, Middleburg, FL 32068
Area141-Middleburg NW
SubdivisionAzalea Ridge
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size6,969.6 sq ft
Parcel Number36042400592400850
ZoningPUD

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Ice Maker, Microwave, Refrigerator, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate

Exterior

Patio / PorchCovered, Front Porch, Porch, Screened
RoofShingle
ConstructionComposition Siding, Stucco

Additional Information

Date ListedSeptember 5, 2026
Days on Market12
HOA Fees$225 / Monthly
HOA FrequencyMonthly
HOA NameInframark
Tax Amount$3,496.2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP · idyrodriguez@watsonrealtycorp.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.

The neighborhood

About Azalea Ridge

Azalea Ridge is a neighborhood in Jacksonville, FL (Clay County), ZIP 32068.

View all Azalea Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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