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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$125,000

3776 CREEK HOLLOW Lane, Middleburg, FL 32068, Middleburg, FL 32068

Ravines

Price
$125,000
Beds / Baths
0 / 0
Living area
0 sqft
Year built
0
Type
Land
Lot
0.5 ac
Garage
0
HOA
$93/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
176
High school
Middleburg

Welcome to the Ravines, one of the most beautiful communities in Clay. Gorgeous trees and terrain makes you feel like you are in the Carolinas near the mountains. This lot is gorgeous and surrounded by custom homes and meticulously kept yards. The seller is Wiggins Costruction Company of N. Fl; recepients of Clay County's builder of the year award many times. The Wiggins will build you the home of your dreams and provide you with free house plans created by them according to your wishes and wants. Hurry, this lot is just waiting to be the frame for the home you have been dreaming of!

What to check on this one

  • Confirm flood zone designation and obtain FEMA map for this specific lot.
  • Verify HOA $93/mo covers what; get full covenants, restrictions, architectural guidelines.
  • Request survey and site plan; check setbacks, easements, utility access.
  • Confirm builder warranty terms and timeline; review contract carefully before signing.
  • Verify lot is clear of liens, assessed taxes current, title insurable.

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$649/mo
Property tax (1.1% eff., Clay Co.)$115/mo
Homeowners insurance (est.)$292/mo
HOA$93/mo
All-in monthly (est.)$1,149/mo

Loan $100,000 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 Mar 9, 2026, 7:54 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.