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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$439,000

2303 RAVINES LAKES Road, Middleburg, FL 32068, Middleburg, FL 32068

The Ravines

Price
$439,000
Beds / Baths
5 / 3
Living area
2,350 sqft
Year built
2004
Type
Residential
Lot
0.21 ac
Garage
2
HOA
$93/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
35

$187/sqft asking, vs a $181/sqft median across 1,447 closed sales in 32068 over the last 12 months — 3% above the area's closed prices. Condition and lot vary; that's what a showing is for.

*Motivated Seller* This stunning 5-bedroom, 3-bathroom home offers both comfort and functionality. A nicely sized office with elegant glass French doors provides the perfect space for working from home or quiet study. The fenced backyard is ideal for those with children or pets, offering privacy and room to enjoy the outdoors. Upstairs, you'll find a private bedroom with a full bathroom perfect as an in-law suite or guest retreat. The remaining bedrooms are conveniently located on the main floor, with secondary rooms situated on the right side of the home and the spacious primary suite on the left for added privacy. The open-concept kitchen overlooks the living room, making it easy to host gatherings and stay connected with family and guests. A cozy wood-burning fireplace adds charm for those rare cool Florida evenings. The home also features a formal dining room, perfect for entertaining. Make this beautiful house your next home!

What to check on this one

  • Verify roof age and get 4-point inspection due to 2004 build year.
  • Confirm flood zone designation and obtain elevation certificate if AE/VE.
  • Request HOA documents; clarify in-law suite legal status and rental restrictions.
  • Inspect plumbing era; cast-iron drain lines common in 2004, assess condition.
  • Verify waterfront means river/creek access; check for easements or maintenance obligations.

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$2,278/mo
Property tax (1.1% eff., Clay Co.)$402/mo
Homeowners insurance (est.)$292/mo
HOA$93/mo
All-in monthly (est.)$3,065/mo

Loan $351,200 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 HERRON REAL ESTATE LLC. Data via realMLS (Northeast Florida MLS), updated Aug 8, 2026, 8:55 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.