Pine Ridge Plantation

4537 OAK MOSS LOOP

Middleburg, FL 32068
For Sale $372,900
Price cut $389,900 ↓ $17,000 (4.4%) Sep 16 · reduced 2×
5 bd · 3 ba · 2,440 sqft · Built 2011
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of HOME PLACE REALTY (cselph@homeplacere.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

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.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $13,052
$3,502/mo
Principal & interest$2,515
Property tax (est.)$335
Insurance (est.)$280
FHA MIP$165
HOA dues$7
CDD assessment$201
Cash to close: ~$13,052 down · MIP financed
VA
$0 down
$3,439/mo
Principal & interest$2,617
Property tax (est.)$335
Insurance (est.)$280
VA fee (financed)$0
HOA dues$7
CDD assessment$201
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $74,580
$2,872/mo
Principal & interest$2,049
Property tax (est.)$335
Insurance (est.)$280
PMI$0
HOA dues$7
CDD assessment$201
Cash to close: ~$74,580 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.51% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2011
Heated area2,440 sq ft
Lot size8,528 sq ft
SubdivisionPINE RIDGE PLANTATION
Parcel (RE#)30-04-25-008069-013-50
Legal descriptionLOT 550 PINE RIDGE PLANTATION

Valuation · 2025

Value

Just / Market
$375,000
Assessed
$331,461
Taxable
$331,461
2025 Property Tax
$4,989
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$85 / Annually
CDD Assessment
$2,408 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2024-09-01 $390,000

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Pine Ridge Plantation? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Pine Ridge Plantation every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

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On the Market

Homes for Sale in Pine Ridge Plantation

Other active MLS listings in Pine Ridge Plantation.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 4537 OAK MOSS LOOP?
The zoned public schools for 4537 OAK MOSS LOOP in Pine Ridge Plantation are Tynes Elementary School (elementary), Oakleaf Junior High (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 4537 OAK MOSS LOOP?
The most recent annual property tax for 4537 OAK MOSS LOOP is about $4,989 (2025 tax year). Any CDD assessment is billed in addition.
Does 4537 OAK MOSS LOOP have a CDD fee?
Yes. 4537 OAK MOSS LOOP is in Pine Ridge Plantation, a Community Development District (CDD) with an assessment of approximately $2,408 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 4537 OAK MOSS LOOP?
Homes in Pine Ridge Plantation have an HOA fee of about $85 per year (based on recent MLS listings).
When did 4537 OAK MOSS LOOP last sell?
4537 OAK MOSS LOOP last sold on September 1, 2024 for $390,000. Full sale history is shown on this page.
How big is 4537 OAK MOSS LOOP?
4537 OAK MOSS LOOP is a 2,440 sq ft home built in 2011 in Pine Ridge Plantation, Clay County, FL.
What would the monthly payment be on 4537 OAK MOSS LOOP?
At about a 7.32% 30-year rate, the estimated monthly payment for 4537 OAK MOSS LOOP is roughly $2,872 with a conventional loan (20% down), $3,502 with FHA (3.5% down), or $3,439 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Pine Ridge Plantation HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.