$382,900
4537 OAK MOSS Loop, Middleburg, FL 32068, Middleburg, FL 32068
Pine Ridge
- Price
- $382,900
- Beds / Baths
- 5 / 3
- Living area
- 2,440 sqft
- Year built
- 2011
- Type
- Residential
- Lot
- 0.2 ac
- Garage
- 2
- HOA
- $7/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 36
$157/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 13% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Welcome home to this beautifully designed home, offering plenty of room for family, guests, and entertaining. The open-concept floor plan features a large living/dining area that flows seamlessly into the heart of the home. The kitchen boasts a massive center island overlooking the main living space, making it perfect for gathering with family and friends. Enjoy casual meals at the island, breakfast area, or in the formal dining space. A pantry closet provides additional storage, while the living room fireplace creates a warm and inviting focal point. Sliding glass doors lead to the covered patio, offering the perfect spot to relax outdoors. The thoughtfully designed 1st floor includes a versatile office/flex room, owner's suite, and 3 BRs. Upstairs, you'll find a spacious 5th BR complete with a full bath, making it an ideal guest suite, bonus room, or private retreat. With its flexible layout, generous living spaces, and room for everyone, this home is ready for its next chapter.
What to check on this one
- Verify roof age and get 4-point inspection quote before offer.
- Confirm flood zone designation with FEMA map and get elevation certificate if needed.
- Request CDD bond payoff amount and annual assessment details.
- Pull HOA docs to confirm $7/mo fee and verify rental restrictions.
- Inspect HVAC age and service records; 2011 units near replacement cost.
- Review property appraiser records for recent tax assessment changes.
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
Loan $306,320 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 HOME PLACE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 26, 2026, 3:45 PM.
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