22 days on market (MLS) Single Family Residence ▼ Price cut: $1,000 (10/10) Open house Sat, Oct 17, 12 PM–3 PM
$334,000
3-Bedroom Home in Two Creeks

4022 Trail Ridge Road, Middleburg, FL 32068

Single Family Residence in Two Creeks, Middleburg · No CDD on record
Two Creeks · Middleburg, FL 32068 · Clay County
Listing data updated October 10, 2026 at 3:22 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,654Sq Ft
2008Year Built
$202Per Sq Ft
2-car garageNo CDD on record
Open house
  • Sat, Oct 17, 12 PM–3 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
22% above
$/sq ft vs community
$202 here vs $166 median sold (12 mo)
Buyer leverage
Strong seller market
22 days on market
2.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $334k tops 4 of the last 12 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 10, 2026, 4022 TRAIL RIDGE Road in Two Creeks, Middleburg is listed at $334,000 (1,654 sq ft, about $202 per sq ft). That is 20% below Two Creeks's median closed sale of $415,000 over the last 12 months (32 recorded sales). Per square foot it is above the community's recent $166/sq ft by about 22%. It has been 22 days on market. Listing facts: built in 2008, HOA dues of $7/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2008 · 18 yrs
  • 1,654 sq ft of living area
  • 2-car garage
  • Listed at $334,000 — recent neighborhood median sale price ~$415,000 (nearby sales; deemed reliable, not an appraisal)
  • 22 days on market
  • HOA $7/mo (per listing)
School district: Clay County SchoolCommunity built 2008–2025Foxmeadow Recreational Park · 2 min driveKroger · 8 min driveVerde Vida Healthy Kitchen · 8 min drive
Listing description

About this home

Welcome to this beautiful single-story home, conveniently located in a quiet, desirable neighborhood just minutes from shopping, hospitals, restaurants, and much more. Offering comfortable living, flexible spaces, and inviting outdoor surroundings, this home has something for everyone. A well-maintained lawn, mature landscaping, a covered entry, and a two-car garage create excellent curb appeal from the moment you arrive.

Inside, the bright, open layout provides an easy flow between the main living, dining, and kitchen areas--perfect for everyday living and entertaining. The spacious living room features attractive flooring, neutral finishes, a ceiling fan, and plenty of room for multiple seating arrangements. An additional sitting area adds valuable flexibility and can be used as a reading room, conversation area, home office, or hobby space.

The kitchen combines style and functionality with generous cabinetry, ample countertop space, a decorative t ile backsplash, coordinated appliances, and a convenient breakfast bar for casual dining. Nearby, the separate dining area is positioned beside a large window, creating a welcoming setting for meals while allowing plenty of natural light to fill the space. The bedrooms are comfortably sized and feature ceiling fans, natural light, and versatile layouts to accommodate a variety of needs.

Additional rooms offer excellent options for guests, remote work, hobbies, or organized storage. The full bathrooms include tub-and-shower combinations, vanity storage, and clean, neutral finishes. A dedicated indoor laundry room with cabinetry adds even more everyday convenience.

A triple sliding glass door opens to a large Florida room, creating a seamless connection to the living area and providing the perfect space for entertaining or relaxing. Outside, the spacious lawn is framed by mature trees and offers plenty of possibilities for gardening, outdoor dining, recreation, or creating your own personalized backyard retreat. For added convenience and peace of mind, the home is also equipped with a whole-house generator hookup that is already installed.

With its practical single-level design, flexible living spaces, attractive kitchen, indoor laundry room, two-car garage, generator hookup, and generous outdoor area, this home is ready to welcome its next owner. Seller is offering 1% of the total sales price, towards the buyers closing costs!!! Schedule your private showing today and experience everything this wonderful property has to offer!

All 54 photos

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Description provided by FLORIDA HOMES REALTY & MTG LLC and reproduced from the MLS; not independently verified.

Listing courtesy of FLORIDA HOMES REALTY & MTG LLCProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$334,000
Bed / bath3 / 2
Living area1,654 sq ft
Year built2008
Property typeSingle Family Residence
Garage2-car
MLS #2165520
Listing status22 days on market (MLS)

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~67 ft
CountyClay
Area listings6 active · 0 under contract
Estimated first-year tax~$4,275/yr
CDD assessmentNone on record
HOA$7/mo

Calculated estimates

Price per sq ft$202
Estimated monthly payment$2,343
Insurance (illustrative)$1k–$2k/yr
Messtimate range$271,256 – $299,374
Comparable-sales median$415,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$2,343/mo
  • Principal & interest $1,850/mo 79%
  • Taxes $356/mo 15%
  • Insurance $130/mo 6%
  • HOA $7/mo 0%

$2,343/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$4,275/yr
≈ $356/mo·effective rate ~1.28%
Estimate: asking price less the $50,000 homestead exemption × Clay County rate (15.05 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $2,250/yr ($188/mo) — taxable value $149,677 × 15.05 mills
$2,025 more each year
(+90%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$113,292
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$262,969
Market value
$200,399
Assessed
$149,677
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$7/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
~67 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Two Creeks

Pricing & the Two Creeks market

How this home is priced against recent nearby sales, and where Two Creeks has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales4259 SANDHILL CRANE Terr…4259 SANDHILL CRANE Terrace: $144/sq ft$1444235 SANDHILL CRANE Terr…4235 SANDHILL CRANE Terrace: $164/sq ft$164945 RAINDROP Lane945 RAINDROP Lane: $173/sq ft$1733971 WHITE PELICAN Way3971 WHITE PELICAN Way: $181/sq ft$1813908 PIPIT Point3908 PIPIT Point: $190/sq ft$190This homeThis home: $202/sq ft$202Community median $166

Price vs. size in Two Creeks

Each dot is a closed sale since 2008 (798 total). This home is the gold marker.

$4k$388k$771k5172,5204,523This home: $334,000, 1,654 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $202/sq ft.

$71$133$1952012: $8320122013: $852014: $8920142015: $932016: $9820162017: $1032018: $11020182019: $1142020: $11620202021: $1382022: $17420222023: $1722024: $18320242025: $1762026: $1662026

Median sale price by year

12-month median closed price, 2012–2026.

$123k$348k$574k2012: $167k20122013: $181k2014: $210k20142015: $229k2016: $228k20162017: $239k2018: $256k20182019: $253k2020: $268k20202021: $342k2022: $445k20222023: $474k2024: $530k20242025: $435k2026: $415k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 35 (cold).

10551002013: 4220132014: 402015: 3220152016: 302017: 4220172018: 582019: 3820192020: 552021: 8620212022: 912023: 6520232024: 662025: 1920252026: 352026
Property timeline

This home’s history

  • 2008BuiltPer public record
  • About Sep 2026Listed (per MLS)MLS reports 22 cumulative days on market as of October 10, 2026
  • Sep 19, 2026First seen on movewithmomentum.comObserved at $335,000
  • Oct 10, 2026Price cut$334,000 (-$1,000, -0.3%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $334,000Momentum Realty · on market 22 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

5 closed sales in Two Creeks in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 5 sales: $415,000 ($166/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$271,256the mess$299,374

Stronger local evidence — 5 comparable closed sales in Two Creeks, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $334,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 10% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
  • Carrying costs & concessions — this home carries HOA dues of $7/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 22 days on market vs. a 44-day community median
  • 6 active listings competing
  • ≈2.3 months of supply
  • 31 closed here in the last 12 months

For reference, this home is listed at $334,000 ($202/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,654 sq ft × $164–$181/sq ft (interquartile band of 5 comparable closed sales in Two Creeks, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.

Momentum Scores

Momentum Property Score

56/100
Strongest on: Affordability (83), Market liquidity (69)
0 limited50100 exceptional

56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area0
This home $202/sq ft vs the community 12-month median $166/sq ft.
Affordability83
List price $334,000 vs the community median $415,000. Not a measure of personal affordability.
Market liquidity69
Community median 44 days on market, ~2.3 months of supply (12-month record).
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Market timing65
Momentum Market Heat is 35/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 2.3 months of supply in the surrounding market and 22 days on market for this home, against a 44-day area median.Days on market:this home 22Area median:  44 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 8, 2026.

🟡 Asking $202 per square foot, about 22% above the community’s $166 median. Two Creeks’s 12-month median sold price per square foot is $166. Median sold price per square foot is down 4.6% year over year. Confidence: Very High · 32 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

61% of homes in Two Creeks are owner-occupied. An estimated 39% are non-owner-occupied, including 8% held in a company or trust and 12% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 388 homes matched. Community-level context.

Recent Two Creeks sales closed near 95.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 8, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 6 active listings in Two Creeks, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by FLORIDA HOMES REALTY & MTG LLC · MLS # 2165520

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Keep looking

Similar homes for sale near Two Creeks

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in Two Creeks

  • 1072 Merlin Point · $559,999 · 4 bd / 3.5 ba · listed October 1, 2026 (courtesy of HERRON REAL ESTATE LLC)
  • 4124 Sandhill Crane Terrace · $320,000 · 3 bd / 2.0 ba · listed September 24, 2026 (courtesy of NAVY TO NAVY HOMES LLC)

Recently off market in Two Creeks

The street

Every home on Trail Ridge Road: what is for sale, what sold and when, the homes and the communities along it.

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Two Creeks news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Jun 2026 · Development

Hyland Trail breaks ground on Lodge Amenity Center in southern Clay County

GreenPointe Holdings held a groundbreaking for the Lodge Amenity Center at Hyland Trail, a community near the newly opened stretch of the First Coast Expressway in the Lake Asbury area of Clay County. The center is planned with a beach-entry pool and splash zone, an exercise facility, pickleball courts, and multi-use pathways, with completion slated for 2026. Hyland Trail and adjacent GreenPointe neighborhoods are set to add more than 3,000 homes, with Dream Finders and Pulte offering single-family homes from the $300s and a Lennar active-adult section called Edenbrooke.

Why it matters: A large amenity-anchored buildout opening nearby may broaden the range of new-construction options buyers compare against an established community like Two Creeks.

News4Jax

Dec 2025 · Development

Planned 4,000-home Agricola master-planned community seeks permits in Clay County

Fort Lauderdale-based BTI Partners is advancing a master-planned community on the roughly 3,145-acre Agricola property in Green Cove Springs off U.S. 17, which it bought for $93 million. The plan calls for about 4,000 residential units, including 2,170 single-family homes, 370 townhomes, and 1,460 multifamily units, plus schools and trails. The St. Johns River Water Management District began reviewing an environmental resource permit after the county approved rezoning in October.

Why it matters: A development of this scale could add substantial housing supply and supporting infrastructure to the broader Clay County corridor over time.

Jacksonville Daily Record

Nov 2025 · Retail Dining

Clay Town Center in Middleburg signs and opens eight new tenants

Paradigm Partners reported leasing progress at Clay Town Center, an 18,500 square foot mixed-use retail and restaurant development in Middleburg. Mattress Warehouse, MedPlus Pharmacy, Domino's Pizza, and Wingstop opened earlier in the year, while Anejo Cocina Mexicana and Verde Vida Healthy Kitchen debuted that month, with Sizzling Nails and Firehouse Subs expected to follow. The center is projected to create more than 100 local jobs.

Why it matters: A maturing retail and dining cluster in Middleburg may add everyday conveniences within reach of area neighborhoods like Two Creeks.

Shopping Center Business

Sep 2025 · Builder

Century Communities buys land for 170-home Asbury Creek near Middleburg

Century Communities closed on a land deal off Henley Road in Green Cove Springs for a new single-family community called Asbury Creek, planned for 170 homesites. Sales are anticipated to begin in mid-2026, and the community is planned with no CDD fees along with amenities including a pavilion, playground, and multi-use field. The builder cited access to downtown Jacksonville via the completed First Coast Expressway.

Why it matters: A no-CDD builder community nearby may give buyers an additional comparison point on monthly carrying costs.

PR Newswire

Go deeper

More on Two Creeks

Go deeper on Two Creeks

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEB
TynesAssigned elementary school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
WilkinsonAssigned middle school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
RidgeviewAssigned high school · Clay County School District · Grade A (Florida DOE 2025-26)
What's nearby

Drive times to everyday places

Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.

Groceries

  • Kroger 8 min

Dining

  • Verde Vida Healthy Kitchen 8 min

Shopping

  • Discovery Landing 13 min

Parks

  • Foxmeadow Recreational Park 2 min
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 4022 TRAIL RIDGE Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2008 (18 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $7/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,654 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $4,275/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,025 more per year than the current owner’s estimated bill (+90%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: October 10, 2026)
Comparable salesrealMLS closed sales in Two Creeks, last 18 months, as of October 8, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 4022 TRAIL RIDGE Road and when was it built?

Per the listing record, 4022 TRAIL RIDGE Road was built in 2008 and has 1,654 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 4022 TRAIL RIDGE Road in?

4022 TRAIL RIDGE Road is in Two Creeks in Middleburg, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 4022 TRAIL RIDGE Road have an HOA, and how much are the dues?

The listing reports HOA dues of $7 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 4022 TRAIL RIDGE Road differ from the current owner's?

The estimate on this page (about $4,275 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,025 more per year than the current owner’s estimated bill (+90%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 4022 TRAIL RIDGE Road in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site 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 Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.