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4090 SPRING CREEK Lane, Middleburg, FL, 32068

2beds
2baths
1,777sqft
$310,000
$174price/sqft
$2,212/moest. monthly cost
$88,480/yrincome needed

About This Home

Welcome to this 2 bedroom, 2 bathroom plus flex room home in the gated 55+ community within Azalea Ridge. This well-maintained property features vinyl and tile flooring throughout, with comfortable carpet in the bedrooms. The kitchen offers ample cabinet space, 42 inch cabinetry, quartz countertops, modern appliances, and a functional layout ideal for everyday living and entertaining. Home comes with Rainsoft Water Softening system. Enjoy the screened lanai overlooking the full privacy fencing- perfect for pets, gatherings, or relaxing outdoors. Dedicated amenities include: pool, bocce ball court, fireplace, dog park and Lawn maintenance handled by the HOA. Residents have access to a second amenity center featuring fitness center, pools and clubhouse.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

5/10
Tynes Elementary SchoolGrades PK-61.2 mi
6/10
5/10
Middleburg High SchoolGrades PK,9-121.1 mi

Construction

Condition

  • Year built: 2017

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer,Water Softener Owned
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Entrance Foyer,Kitchen Island,Primary Bathroom - Shower No Tub,Master Downstairs,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,777 sqft

Property

Details

  • Parcel number: 36042400592400996

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Screened
  • Fencing: Back Yard,Vinyl

Lot

  • Lot size: 6,098 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $1,567$18,804
Home Insurance *$211$2,532
Property Taxes $237$2,844
Electricity $197$2,366
Total$2,212$26,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$75,840/yr
40% on housing$66,360/yr
45% on housing$58,986/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

$174This 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)

No zestimate history available

Price History

DateEventPrice
2026-04-24Contingent$310,000
2026-03-26Listed for sale$310,000
2019-08-15Sold$238,685
2019-07-08Price change$238,685
2019-07-08Pending sale$238,990
2019-07-06Price change$238,685
2019-05-19Price change$238,990
2019-04-17Price change$237,990
2019-01-14Listed for sale$235,990

For Sale by Agent

AgentREBECCA PARKER, EXP REALTY LLC
BrokerageEXP REALTY LLC

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