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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$450,000

2810 RAVINES Road, Middleburg, FL 32068

The Ravines

Price
$450,000
Beds / Baths
4 / 3
Living area
2,451 sqft
Year built
1986
Type
Residential
Lot
0.6 ac
Garage
2
HOA
$93/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
152
Elementary
Shadowlawn
Middle
Lake Asbury
High school
Middleburg

$184/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 2% above the area's closed prices. Condition and lot vary; that's what a showing is for.

MOTIVATED SELLER! Beautifully maintained all-brick home in the gated community of The Ravines. This 4BR/3BA home sits on an estate-sized lot and features wood and tile flooring, crown molding, and a cozy fireplace. The gourmet kitchen offers 42'' glazed maple cabinets, Corian countertops, marble backsplash, and dual workstations with separate sinks. Recent updates include windows (2021), HVAC (2024), roof (2020), and water heater (2020). Enjoy a screened-in lanai and back deck overlooking a private, preserve-like setting with no rear neighbors. Watch deer and turkeys from your own backyard. Additional features include a Jack and Jill bath, updated shower, well and septic, and a 1,400 sq ft crawl space with Alpha Foundation improvements for added storage and peace of mind.

What to check on this one

  • Verify roof age 2020 with insurance—get inspection report and warranty documentation
  • Confirm well/septic service history, last pump-out date, and system permits with Clay County
  • Obtain flood zone designation and elevation certificate for The Ravines gated community
  • Request HOA docs, CCRs, and current reserve study for The Ravines
  • Schedule 4-point inspection (home is 40 yrs old); verify HVAC 2024 paperwork
  • Confirm water heater 2020 age with receipt; verify septic system capacity for 4BR

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$2,335/mo
Property tax (1.1% eff., Clay Co.)$413/mo
Homeowners insurance (est.)$292/mo
HOA$93/mo
All-in monthly (est.)$3,133/mo

Loan $360,000 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 COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Jul 31, 2026, 8:27 AM.

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.