Pine Ridge Plantation

4838 CREEK BLUFF Ln

Middleburg, FL 32068
For Sale $325,000
4 bd · 2 ba · 1,901 sqft · Built 2014
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 UNITED REAL ESTATE GALLERY (WolffHuntsHomes@gmail.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

*All are welcome to our open house this Friday 9/25 between 5-7pm* Introducing this just listed 4 bedroom, 2 bathroom gem tucked away in the desirable Pine Ridge neighborhood! This move-in ready home qualifies for USDA financing, a $0 DOWN loan, making home ownership more affordable than ever! Designed w/both comfort & convenience in mind, this spacious layout flows effortlessly from room to room. This home is packed with major updates so you can move right in with total confidence. Rest easy knowing you have a BRAND NEW roof, HVAC, updated flooring & newer appliances--saving you big on energy bills & future upkeep! Enjoy a bright, clean slate w/a freshly painted interior & sleek, durable newer LVP flooring running seamlessly throughout the main living areas. Relax on your covered patio--the ideal spot for morning coffee or shade on summer afternoons in this completely fenced backyard.

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 · $11,375
$3,067/mo
Principal & interest$2,175
Property tax (est.)$297
Insurance (est.)$244
FHA MIP$144
HOA dues$7
CDD assessment$201
Cash to close: ~$11,375 down · MIP financed
VA
$0 down
$3,011/mo
Principal & interest$2,262
Property tax (est.)$297
Insurance (est.)$244
VA fee (financed)$0
HOA dues$7
CDD assessment$201
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $65,000
$2,521/mo
Principal & interest$1,772
Property tax (est.)$297
Insurance (est.)$244
PMI$0
HOA dues$7
CDD assessment$201
Cash to close: ~$65,000 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 built2014
Heated area1,901 sq ft
Lot size6,677 sq ft
SubdivisionPINE RIDGE PLANTATION
Parcel (RE#)30-04-25-008069-009-24
Legal descriptionLOT 124 PINE RIDGE PLANTATION

Valuation · 2025

Value

Just / Market
$325,000
Assessed
$275,702
Taxable
$224,980
2025 Property Tax
$3,548
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 →

Our sister company

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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 4838 CREEK BLUFF Ln?
The zoned public schools for 4838 CREEK BLUFF Ln 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 4838 CREEK BLUFF Ln?
The most recent annual property tax for 4838 CREEK BLUFF Ln is about $3,548 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 4838 CREEK BLUFF Ln have a CDD fee?
Yes. 4838 CREEK BLUFF Ln 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 4838 CREEK BLUFF Ln?
Homes in Pine Ridge Plantation have an HOA fee of about $85 per year (based on recent MLS listings).
How big is 4838 CREEK BLUFF Ln?
4838 CREEK BLUFF Ln is a 1,901 sq ft home built in 2014 in Pine Ridge Plantation, Clay County, FL.
What would the monthly payment be on 4838 CREEK BLUFF Ln?
At about a 7.24% 30-year rate, the estimated monthly payment for 4838 CREEK BLUFF Ln is roughly $2,521 with a conventional loan (20% down), $3,067 with FHA (3.5% down), or $3,011 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.