Active·3 days on market
3138 Ravines Road
Middleburg, FL 32068
About this home
Middleburg
This one-story patio home in The Ravines offers 3 bedrooms, 2 baths, a 2-car garage plus 1/2 garage space for a golf cart, and an efficient yard requiring little maintenance. Built in 2003 and attached to another home, the property offers a practical floor plan with a pond-view backyard and screened porch. Wood floors welcome you at the entry and continue throughout the main living areas. The large kitchen provides generous countertop space and includes a gas stove, refrigerator, dishwasher, and built-in microwave. Glass sliding doors connect the main living area to the screened porch, where the backyard and pond become part of the everyday living space. Plantation shutters are installed throughout most of the windows. The main suite is located at the rear of the home with a view of the pond. It features large closets and a spacious bathroom with two sinks, a tub, and separate shower. The second bedroom is ample in size and has an attached bathroom, offering added flexibility for guest
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.
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 2003)
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: ~1,764 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,752/yr
Estimated taxes if purchased at asking price: ~$5,500/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 17, 2026Listed$299,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · lesliedougher@cbvfl.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.
Keep looking
More homes in The Ravines
For Sale3136 Ravines RoadMiddleburg, FL 32068
3 bd · 2 ba · 1,944 sq ft
$330,000Est. $1,756/moWelcome home to 3136 Ravines Rd, a beautifully maintained residence nestled in a desirable guard-gated community in…
Listing Office: ams prime realty llc
For Sale2810 Ravines RoadMiddleburg, FL 32068
4 bd · 3 ba · 2,451 sq ft
$420,000Est. $2,235/moMOTIVATED SELLER! Beautifully maintained all-brick home in the gated community of The Ravines. This 4BR/3BA home sits…
Listing Office: coldwell banker vanguard realty
For Sale2910 Ravines Road 1103Middleburg, FL 32068
2 bd · 1 ba · 848 sq ft
$159,900Est. $851/moFeel right at home when entering one of the nicest, meticulously maintained, condos in The Ravines gated community.…
Listing Office: florida homes realty & mtg llc
For Sale2303 Ravines Lakes RoadMiddleburg, FL 32068
5 bd · 3 ba · 2,350 sq ft
$439,000Est. $2,337/mo*Motivated Seller* This stunning 5-bedroom, 3-bathroom home offers both comfort and functionality. A nicely sized…
Listing Office: herron real estate 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
Open Houses
9/26/2026
12:00 pm - 1:00 pm