3 bedroom Single Family Residence at 4022 Trail Ridge Road, Two Creeks, Middleburg — photo 1Front elevation
3 bedroom Single Family Residence at 4022 Trail Ridge Road, Two Creeks, Middleburg — photo 2Living space
3 bedroom Single Family Residence at 4022 Trail Ridge Road, Two Creeks, Middleburg — photo 3Kitchen
3 bedroom Single Family Residence at 4022 Trail Ridge Road, Two Creeks, Middleburg — photo 4Owner's suite
3 bedroom Single Family Residence at 4022 Trail Ridge Road, Two Creeks, Middleburg — photo 5Exterior / yardView all 54 photos →
New — 1 day on market Single Family Residence
$335,000
3-Bedroom Home in Two Creeks

4022 Trail Ridge Road, Middleburg, FL 32068

Single Family Residence in Two Creeks, Middleburg · No CDD
Two Creeks · Middleburg, FL 32068 · Clay
Listing data updated September 19, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,654Sq Ft
2008Year Built
$203Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
23% above
$/sq ft vs community
$203 here vs $165 median sold (12 mo)
Buyer leverage
Strong seller market
1 days on market
Under 1 month
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 3 of 12
Price vs recent sales
Asking $335k tops 3 of the last 12 closed sales

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

Highlights

As of September 19, 2026, 4022 TRAIL RIDGE Road in Two Creeks, Middleburg is listed at $335,000 (1,654 sq ft, about $203 per sq ft). That is 24% below Two Creeks's median closed sale of $439,000 over the last 12 months (33 recorded sales). Per square foot it is above the community's recent $165/sq ft by about 23%. It came to market within the past week. 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 $335,000 — recent neighborhood median sale price ~$439,000 (nearby sales; deemed reliable, not an appraisal)
  • New to 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
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$1733908 PIPIT Point3908 PIPIT Point: $190/sq ft$190This homeThis home: $203/sq ft$203Community median $165

Price vs. size in Two Creeks

Each dot is a closed sale since 2008 (797 total). This home is the gold marker.

$4k$388k$771k5172,5204,523This home: $335,000, 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 $203/sq ft.

$71$133$1952012: $8320122013: $842014: $8920142015: $942016: $9720162017: $1032018: $11020182019: $1142020: $11620202021: $1352022: $17120222023: $1742024: $18320242025: $1812026: $1652026

Median sale price by year

12-month median closed price, 2012–2026.

$127k$333k$540k2012: $167k20122013: $181k2014: $210k20142015: $229k2016: $228k20162017: $228k2018: $260k20182019: $252k2020: $268k20202021: $335k2022: $448k20222023: $462k2024: $500k20242025: $448k2026: $439k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 36 (cold).

1356992013: 4220132014: 402015: 3620152016: 232017: 4520172018: 642019: 3820192020: 512021: 8620212022: 912023: 6620232024: 602025: 2120252026: 362026
Property timeline

This home’s history

  • 2008BuiltPer public record
  • Sep 19, 2026First trackedObserved at $335,000
  • NowActiveCurrently for sale

Build year is from public record. Listing 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.

Financing

Estimated monthly payment

$2,185/mo
  • Principal & interest $1,774/mo 81%
  • Taxes $274/mo 13%
  • Insurance $130/mo 6%
  • HOA $7/mo 0%

$2,185/mo at 20% down, 30-yr @ 6.95% · edit any field to update.

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

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$4,300/yr
$358/mo·effective rate ~1.28%
Estimated from today’s asking price and current Clay County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $2,250/yr ($188/mo)
+$2,050 more each year
(+91%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t 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
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

52/100
Strongest on: Affordability (89), Market liquidity (79)
0 limited50100 exceptional

52/100 is below average 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 $203/sq ft vs the community 12-month median $165/sq ft.
Affordability89
List price $335,000 vs the community median $439,000. Not a measure of personal affordability.
Market liquidity79
Community median 41 days on market, ~0.7 months of supply (12-month record).
Renovation upside20
From a 2008 build and $203/sq ft vs the community median $165/sq ft. Not a condition assessment.
Pricing power61
Recent sales closed at about 95.9% of original asking (~4.1% below). More room below asking generally favors buyers.
Market timing64
Momentum Market Heat is 36/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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. 0.7 months of supply in the surrounding market and 1 days on market for this home, against a 41-day area median.Days on market:this home 1Area median:  41 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 September 17, 2026.

🟡 Asking $203 per square foot, about 23% above the community’s $165 median. Two Creeks’s 12-month median sold price per square foot is $165. Median sold price per square foot is down 1.9% year over year. Confidence: Very High · 33 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 95.9% 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 September 17, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 2 active listings in Two Creeks, no CDD assessment.

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

Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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. 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.

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$335,000
Bed / bath3 / 2
Living area1,654 sq ft
Year built2008
Property typeSingle Family Residence
Garage2-car
MLS #2165520
Listing statusNew &mdash; 1 day on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyClay
Area listings2 active · 1 under contract
Estimated first-year tax~$3,283/yr
CDD assessmentNone on record
HOA (per listing)$7/mo

Calculated estimates

Price per sq ft$203
Estimated monthly payment$2,185
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$439,000

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

$239,830the mess$305,990

Actual list price: $335,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • 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: 1 days on market vs. a 41-day community median
  • 3 active listings competing, 1 under contract
  • 0.7 months of supply
  • 32 closed here in the last 12 months

For reference, this home is listed at $335,000 ($203/sq ft) — a number set with analysis a Messtimate can't do.

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 × $145–$185/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 19, 2026.

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 Middleburg

  • 3120 Longleaf Ranch Circle, Middleburg · $425,000 · 4 bd / 2.0 ba · listed September 16, 2026 (courtesy of KALLAM REALTY GROUP PLLC)
  • 3793 Baxley Villas Court, Middleburg · $260,990 · 3 bd / 2.5 ba · listed September 15, 2026 (courtesy of DREES REALTY)
  • 1968 Tomahawk Drive, Middleburg · $410,000 · 4 bd / 2.0 ba · listed September 14, 2026 (courtesy of UNITED REAL ESTATE GALLERY)
  • 2720 E Fennel Court, Middleburg · $369,000 · 3 bd / 2.0 ba · listed September 14, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
  • 4048 Edgeland Trail, Middleburg · $444,900 · 5 bd / 3.0 ba · listed September 14, 2026 (courtesy of CHAD AND SANDY REAL ESTATE GROUP)
  • 3524 Evers Cove, Middleburg · $315,000 · 3 bd / 2.0 ba · listed September 12, 2026 (courtesy of COMPASS FLORIDA LLC)
Transparency

Price & listing history

Listed for $335,000Momentum Realty · on market 1 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
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.

Property tax (first-year est.)
~$3,283/yr

A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

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

Covers the master association & common areas. Confirm exact dues and what they include.

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
Not on record

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

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 4022 TRAIL RIDGE Road?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

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

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in Two Creeks

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Two Creeks neighborhood guide for more.

Comparable sales found
4

Recent nearby closings in the data set.

Community median sale price
$439,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$165

Canonical 12-month median $/sq ft. Reference only.

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.

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

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
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)
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $165/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$1,535 – $2,233/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$692 – −$64At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
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 $3,283/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: September 19, 2026)
Community market statsrealMLS closed sales, as of September 17, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
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 community section on this page shows recent closed sales, days on market, and active inventory for Two Creeks 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 $3,283 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. 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.

Ready when you are

See 4022 TRAIL RIDGE Road in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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 a typical county millage rate to the list price 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.