3622 TRAIL RIDGE ROAD, MIDDLEBURG, FL, 32068
Active46 days on marketListed Jun 18, 2026MLS #GC541316
About this home
3622 TRAIL RIDGE ROAD
Investor and developer opportunity in one of Northeast Florida’s fastest-growing corridors! This 20-acre propety offers exceptional potential for residential development, with ample upland acreage well-suited for subdivision into approximately 1/4-acre homesites (subject to zoning, engineering, and county approvals). The property features valuable hard road frontage on Trail Ridge Road, providing excellent access and visibility. A scenic on-site pond offers both aesthetic appeal and potential utility as part of a future stormwater management and drainage plan. Adding immediate value, the property includes two habitable residences that could provide rental income, serve as temporary housing during development, or support project operations. Conveniently located in the growing community of Middleburg, the property offers an attractive balance of rural character and urban accessibility, with easy commutes to Orange Park, Jacksonville, and major employment centers throughout Clay and Duval Counties. As population growth continues to drive housing demand west of Jacksonville, opportunities of this size, location, and development potential are becoming increasingly difficult to find. Buyer to verify all zoning, land use, density, subdivision, and development requirements.
Facts & features
The home at a glance
20.33 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$22,481 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$22,481/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Middleburg
Get to know Middleburg. See the full Middleburg guide →
MIDDLEBURG 32068 — neighborhood snapshot
Population
58,196
Median age
38.2
Median income
$82,410
Median home value
$264,300
Avg household
2.81
Households w/ children
7,692
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Middleburg market
$336K → $438K
Middleburg median sold, yr/yr
99.3%
Sale-to-list ratio (12 mo)
Median sold price, Middleburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1292% above the MIDDLEBURG 32068 median. See the full Middleburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3622 TRAIL RIDGE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$374,900
519 TYNES BOULEVARD
4 bd · 3 ba · 2,088 sqft · $180/sqft · 7 DOM
Sold · Feb ’26$350,000
1011 WETLAND RIDGE CIRCLE
3 bd · 2.5 ba · 2,297 sqft · $152/sqft · 132 DOM
Sold · Oct ’25$560,000
4328 ROCK PIGEON LANE
5 bd · 3 ba · 3,071 sqft · $182/sqft · 23 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3622 TRAIL RIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3622 TRAIL RIDGE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3622 TRAIL RIDGE ROAD FAQs
What would the monthly payment be for 3622 TRAIL RIDGE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,481/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3622 TRAIL RIDGE ROAD?+
The most recent tax bill on record (2025) was $4,692. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Middleburg?+
At $3,800,000, this home is listed about 875% above the Middleburg median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3622 TRAIL RIDGE ROAD?+
Coppergate Elementary School (elementary), Middleburg High School (high), Lake Asbury Junior High School (middle) — Clay County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$3,800,000 runs 1292% above the MIDDLEBURG 32068 median.
02Time on market is leverage
46 days on market against a Middleburg median of 4 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Coppergate Elementary School, Middleburg High School, Lake Asbury Junior High School — Lake Asbury Junior High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of CENTURY 21 LAKESIDE REALTY · Trey Fields, III. MLS #GC541316.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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