Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$125,500

3165 RAVINES Road 3621, Middleburg, FL 32068, Middleburg, FL 32068

The Ravines

Price
$125,500
Beds / Baths
1 / 1
Living area
420 sqft
Year built
1984
Type
Condo
Lot
0.02 ac
Garage
0
HOA
$206/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
250

Welcome to this nice upgraded end-unit condo , security-gated community of The Ravines. With low monthly HOA fees (ALL exterior maintenance included!), this property offers both affordability and ease of ownership, perfect for homeowners and investors alike. inside you will find a remodeled interior featuring vinyl plank flooring throughout and a new kitchen complete with, newer countertops, appliances. The bathroom has been updated with storage, new tile floor and shower new vanity conveniently located washer and dryer area complete with stackable wash/dryer included. Relax after a long day on your spacious covered patio, where you can enjoy peaceful views of mature oak trees ,nature and privacy.

What to check on this one

  • Verify condo SIRS report and milestone reserve funding status with HOA.
  • Obtain flood zone designation and elevation certificate from Clay County.
  • Request HOA docs: budget, rental restrictions, special assessments pending.
  • Confirm roof age, last inspection date, and insurer approval.
  • Review condo declaration for lease/sublease rules and investor restrictions.
  • Inspect plumbing era; polybutylene or cast-iron requires replacement quotes.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$651/mo
Property tax (1.1% eff., Clay Co.)$115/mo
Homeowners insurance (est.)$292/mo
HOA$206/mo
All-in monthly (est.)$1,264/mo

Loan $100,400 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of WATSON REALTY CORP. Data via realMLS (Northeast Florida MLS), updated Jun 26, 2026, 1:30 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.