Ravines Crossing

2954 Ravines Rd

Middleburg, FL 32068
For Sale $479,000
4 bd · 3 ba · 3,532 sqft · Built 1980
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 FLORIDA HOMES REALTY & MTG LLC (barrydmuffley@aol.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

Seller has Plans for the 2 Car Garage w/Oversized Boat Garage he'll leave for Buyer. Large Lot on a Wooded Nature Lot where you'll constantly see DEER & TURKEYS, And looking for a Non New Construction Home, Charming from the moment you enter the Home with 16 Foot Beamed Ceilings you'll feel like you're in a Mountain Lodge with a Massive Stone Fireplace, THIS IS THE HOME FOR YOU, 24 Hour GATED Security Guard for Access, This Custom Home was the Original Real Estate Center they Sold The Ravines out of, My Buyer bought in 2006 & spent a Small Fortune turning it into a Custom Dream Home with 4 Bedrooms, 3 Bathrooms, Home Office with 2 Additional Large Rooms upstairs, With Uupdated Roof in 2018, Home has the ENTIRE PARKING LOT & You can park 15-20 Cars.

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 · $16,765
$4,371/mo
Principal & interest$3,231
Property tax (est.)$477
Insurance (est.)$359
FHA MIP$212
HOA dues$93
CDD assessment$0
Cash to close: ~$16,765 down · MIP financed
VA
$0 down
$4,290/mo
Principal & interest$3,361
Property tax (est.)$477
Insurance (est.)$359
VA fee (financed)$0
HOA dues$93
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $95,800
$3,561/mo
Principal & interest$2,632
Property tax (est.)$477
Insurance (est.)$359
PMI$0
HOA dues$93
CDD assessment$0
Cash to close: ~$95,800 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.60% effective millage, plus actual HOA. 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 built1980
Heated area3,532 sq ft
Lot size36,242 sq ft
Parcel (RE#)13-05-24-021388-178-15
Legal descriptionPT OF RESORT AREA RAVINES RE-

Valuation · 2025

Value

Just / Market
$475,000
Assessed
$218,754
Taxable
$168,032
2025 Property Tax
$2,691
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
$93 / Monthly
CDD Assessment
—

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

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 Ravines Crossing? 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 Ravines Crossing 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 Ravines Crossing

Other active MLS listings in Ravines Crossing.

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 2954 Ravines Rd?
The zoned public schools for 2954 Ravines Rd in Ravines Crossing are Middleburg Elementary School (elementary), Lake Asbury Junior High School (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 2954 Ravines Rd?
The most recent annual property tax for 2954 Ravines Rd is about $2,691 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 2954 Ravines Rd?
Homes in Ravines Crossing have an HOA fee of about $93 per month (based on recent MLS listings).
How big is 2954 Ravines Rd?
2954 Ravines Rd is a 3,532 sq ft home built in 1980 in Ravines Crossing, Clay County, FL.
What would the monthly payment be on 2954 Ravines Rd?
At about a 7.32% 30-year rate, the estimated monthly payment for 2954 Ravines Rd is roughly $3,561 with a conventional loan (20% down), $4,371 with FHA (3.5% down), or $4,290 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Ravines Crossing HOA. 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.