Pine Ridge Plantation

4679 PINE LAKE Dr

Middleburg, FL 32068
For Sale $384,900
Price cut $400,000 ↓ $15,100 (3.8%) Oct 5 · reduced 2×
5 bd · 3 ba · 2,969 sqft · Built 2010
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

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 KELLER WILLIAMS FIRST COAST REALTY (neri_larson@hotmail.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 to this spacious and thoughtfully designed home that blends comfort, functionality and natural views. This lovely 2 story home with downstairs bedroom with full bath and whole house water softener system can be used for guest access, multi-generational living or long term flexibility to age in place without climbing the stairs. Step outside to fully fenced backyard where you can enjoy peaceful pond and preserve views. Upstairs, retreat to the spacious owner's suite with en-suite bath featuring dual vanities, relaxing garden tub, separate shower room,toilet room and an oversized walk-in closet. Home is very close to its resort style amenities such as swimming pool, children splash area, fitness center, basketball courts, pickleball courts, tennis courts, playground, dog park , nature trails and clubhouse. Come and check this out!

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 · $13,472
$3,608/mo
Principal & interest$2,576
Property tax (est.)$366
Insurance (est.)$289
FHA MIP$170
HOA dues$7
CDD assessment$201
Cash to close: ~$13,472 down · MIP financed
VA
$0 down
$3,542/mo
Principal & interest$2,679
Property tax (est.)$366
Insurance (est.)$289
VA fee (financed)$0
HOA dues$7
CDD assessment$201
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $76,980
$2,961/mo
Principal & interest$2,098
Property tax (est.)$366
Insurance (est.)$289
PMI$0
HOA dues$7
CDD assessment$201
Cash to close: ~$76,980 down

Rate: 7.240% (Freddie Mac 30-yr avg, as of Oct 29, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.58% 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 built2010
Heated area2,969 sq ft
Lot size6,269 sq ft
SubdivisionPINE RIDGE PLANTATION
Parcel (RE#)30-04-25-008069-008-20
Legal descriptionLOT 20 PINE RIDGE PLANTATION A

Valuation · 2025

Value

Just / Market
$375,000
Assessed
$258,304
Taxable
$207,582
2025 Property Tax
$3,286
Homestead Exemption
Yes $50,000 exempt

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

No recorded sale history is on file for this property.

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 4679 PINE LAKE Dr?
The zoned public schools for 4679 PINE LAKE Dr 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 4679 PINE LAKE Dr?
The most recent annual property tax for 4679 PINE LAKE Dr is about $3,286 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 4679 PINE LAKE Dr have a CDD fee?
Yes. 4679 PINE LAKE Dr 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 4679 PINE LAKE Dr?
Homes in Pine Ridge Plantation have an HOA fee of about $85 per year (based on recent MLS listings).
How big is 4679 PINE LAKE Dr?
4679 PINE LAKE Dr is a 2,969 sq ft home built in 2010 in Pine Ridge Plantation, Clay County, FL.
What would the monthly payment be on 4679 PINE LAKE Dr?
At about a 7.24% 30-year rate, the estimated monthly payment for 4679 PINE LAKE Dr is roughly $2,961 with a conventional loan (20% down), $3,608 with FHA (3.5% down), or $3,542 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.