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Active

Active·8 days on market

4048 Edgeland Trail

Middleburg, FL 32068

$444,900$199/sqftEst. $2,356/moMLS# 2164469
5
Beds
3
Baths
2,237
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone XHOA $100/mo7,841 sqft lotSingle Family Residence2 stories

About this home

Middleburg

**FULLY UPDATED**NEW ROOF**GATED COMMUNITY** Experience luxury living in the prestigious Ravines Community! This stunning home is FULLY UPDATED INSIDE AND OUT, featuring a new roof, NEW HVAC, and FRESH EXTERIOR PAINT, all nestled in a secure gated community. Inside, you will find stylish LVP flooring and elegant finishes throughout an open layout with a SPLIT BED FLOOR PLAN. The spacious living room boasts a soaring vaulted ceiling, a cozy fireplace, and plenty of space for gathering. The gorgeous kitchen features quartz countertops, soft close cabinetry, NEW STAINLESS STEEL APPLIANCES, a convection oven with an air fryer feature, and a fridge with a whiskey ball ice maker! Enjoy a versatile BONUS ROOM for an office or den, plus a private 5th bedroom with an en-suite bathroom. The updated primary suite offers double vanities, a walk-in shower with floor to ceiling tile, an elegant garden tub, and his & hers closets. Step outside to a partially FENCED YARD complete with an irrigation

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$2,356
Property taxesest. at asking price, Clay County$682
HOAbilled monthly$100
Estimated total, before insurance$3,138/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,002/yr · $333/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

$444,900
$88,980
Loan Term
Monthly Payment
$2,356
Principal & Interest: $2,356
Property taxes (est.): $682
Insurance (est.): $297
Estimated Total Monthly
$3,334
*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 2005)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,740 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): $4,002/yr

Estimated taxes if purchased at asking price: ~$8,200/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 14, 2026Active$444,900
  • Sep 11, 2026Listed$444,900

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

Features

Price$444,900
Price / Sq Ft$199
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,237
Acres0.18 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

ElementaryShadowlawn
MiddleLake Asbury
HighMiddleburg

Community Information

Address4048 Edgeland Trail, Middleburg, FL 32068
Area142-Middleburg East
SubdivisionRavines
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size7,840.8 sq ft
Parcel Number13052402138818206
ZoningResidential

Amenities

AmenitiesGated, Jogging Path, Playground, Security
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, In-Law Floorplan, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringVinyl
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecurityGated with Guard

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
FencingFenced
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 14, 2026
Days on Market6
HOA Fees$100 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSecurity
Tax Amount$4,001.67
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP · offers@chadandsandy.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.

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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