Ravines Crossing

3910 LAKE CREST Ter

Middleburg, FL 32068
For Sale $375,000
3 bd · 2 ba · 2,320 sqft · Built 2003
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 IDEAL REALTY CONNECTIONS (sellsmartbuyright@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

Open House SUN OCT 11 from 1 to 3 pm. Do not miss this opportunity for a move-in ready, 1-story property w/ a phenomenal outdoor living area! Priced to sell, this appealing brick- front residence has been well refreshed. Since taking ownership, the following updates have been made: 1)New vinyl plank flooring in all public space and bedrooms; 2)Full Interior Paint; 3)New Smart LG Black Stainless Kitchen Appliances; 4)Kitchen Cabs Painted; 5) New Washer & Dryer; 6)Epoxy Finish on Garage Floor; 7) Smart Thermostat. Roof is 2022 & has full guttering, Water Heater is 2020; AC system is 2016. Water Softener conveys. The screened patio is a focal point of the property.Designed & constructed in 2021,the 50' x 21' screen-enclosed patio offers over 1,000 sq ft of outdoor living space & approx 375 sq ft of that space is maintenance-free turf. Situated on a cul de sac lot w/ a pond view this pristinely-maintained property is ready for a quick close. Long driveway for abundant parking.

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 · $13,125
$3,401/mo
Principal & interest$2,509
Property tax (est.)$352
Insurance (est.)$281
FHA MIP$166
HOA dues$93
CDD assessment$0
Cash to close: ~$13,125 down · MIP financed
VA
$0 down
$3,337/mo
Principal & interest$2,611
Property tax (est.)$352
Insurance (est.)$281
VA fee (financed)$0
HOA dues$93
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $75,000
$2,770/mo
Principal & interest$2,044
Property tax (est.)$352
Insurance (est.)$281
PMI$0
HOA dues$93
CDD assessment$0
Cash to close: ~$75,000 down

Rate: 7.240% (Freddie Mac 30-yr avg, as of Oct 29, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.57% 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 built2003
Heated area1,812 sq ft
Lot size9,295 sq ft
SubdivisionRAVINES CROSSING U
Parcel (RE#)13-05-24-021388-084-92
Legal descriptionLOT 92 RAVINES REPLAT # 5 AS R

Valuation · 2025

Value

Just / Market
$375,000
Assessed
$298,564
Taxable
$247,842
2025 Property Tax
$3,892
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 3910 LAKE CREST Ter?
The zoned public schools for 3910 LAKE CREST Ter 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 3910 LAKE CREST Ter?
The most recent annual property tax for 3910 LAKE CREST Ter is about $3,892 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 3910 LAKE CREST Ter?
Homes in Ravines Crossing have an HOA fee of about $93 per month (based on recent MLS listings).
How big is 3910 LAKE CREST Ter?
3910 LAKE CREST Ter is a 1,812 sq ft home built in 2003 in Ravines Crossing, Clay County, FL.
What would the monthly payment be on 3910 LAKE CREST Ter?
At about a 7.24% 30-year rate, the estimated monthly payment for 3910 LAKE CREST Ter is roughly $2,770 with a conventional loan (20% down), $3,401 with FHA (3.5% down), or $3,337 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.