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3839 TRAIL RIDGE Road, Middleburg, FL, 32068

5beds
3baths
3,007sqft
$520,000
$173price/sqft
$4,153/moest. monthly cost
$166,120/yrincome needed

About This Home

Spacious and beautifully designed 5-bedroom, 3-bathroom home located in the highly sought-after Two Creeks community! This thoughtfully laid-out floor plan offers plenty of room for both everyday living and entertaining, featuring a bright and open living area filled with natural light. The modern kitchen boasts ample cabinetry, generous counter space, and a large island perfect for gathering. The primary suite provides a relaxing retreat with a private en-suite bath and spacious walk-in closet. Additional bedrooms are well-sized, offering flexibility for guests, plus a home office, for a growing household. With three full bathrooms, convenience and comfort are built into every corner of this home. Step outside to enjoy a peaceful backyard with plenty of space for outdoor living for future customization. Located in the desirable Two Creeks neighborhood, residents enjoy access to community amenities and a convenient location close to shopping and dining. Book your showing today!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
Tynes Elementary SchoolGrades PK-61.3 mi
6/10
5/10
Ridgeview High SchoolGrades PK,9-123.9 mi

Construction

Condition

  • Year built: 2013

Materials

  • Roof: Shingle
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Butler Pantry,Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Primary Bathroom -Tub with Separate Shower,Split Bedrooms,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,007 sqft

Property

Details

  • Parcel number: 24042400557400108

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Screened
  • Fencing: Back Yard,Privacy
  • Has view: Yes
  • View description: Protected Preserve

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Inland Flooding
Tornado
Hurricane
Heat Wave
Wildfire
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,629$31,548
Home Insurance *$354$4,248
Property Taxes $868$10,416
Electricity $302$3,631
Total$4,153$49,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,388/yr
40% on housing$124,590/yr
45% on housing$110,746/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 32068$159
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32068$192
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2024-04-04Sold$530,000
2024-02-12Price change$540,000
2024-02-05Price change$544,500
2024-01-18Price change$545,000
2024-01-07Price change$549,500
2023-12-05Price change$549,990
2023-11-25Price change$554,990
2023-11-01Listed for sale$560,000
2022-07-01Sold$500,000
2022-06-03Pending sale$500,000
2022-06-01Listed for sale$500,000
2021-11-30Sold$455,000
2021-10-18Pending sale$449,900
2021-10-15Listed for sale$449,900
2021-10-11Pending sale$449,900
2021-10-06Listed for sale$449,900
2013-07-05Sold$226,098
2012-12-13Sold$24,000

For Sale by Agent

AgentJOY CRAWFORD
BrokerageHAMILTON HOUSE REAL ESTATE GROUP, LLC

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