Clay County · 32068
Condos & Townhomes in Pine Ridge Plantation
Not everyone wants a yard to mow. Condos and townhomes around Pine Ridge Plantation in Middleburg offer lock-and-leave living at friendlier price points.
As a neighborhood of Middleburg in Clay County, Pine Ridge Plantation combines its own character with everything Middleburg offers. Compare the full monthly cost of attached homes, including HOA dues and insurance, with current available listings.
Area
Pine Ridge Plantation
County
Clay County
ZIP codes
32068
Townhome vs. condo: what's the difference?
With a townhome you typically own the land beneath you; with a condo you own the interior. That distinction drives financing, insurance, and HOA structure — and lenders treat them differently.
HOA health matters more than granite counters. We review budgets, reserves, and any special assessments before you commit.
Where to look near Pine Ridge Plantation
Local highlights in Pine Ridge Plantation: Water-slide pool; Fitness center; Newer homes. About 35-40 minutes to NAS Jacksonville. Attached-home communities cluster near the main corridors, putting shopping and commutes at your doorstep.
A closer look at Pine Ridge Plantation
A Middleburg community of newer homes with a water-slide pool, fitness center, and family-first atmosphere.
About 35-40 minutes to NAS Jacksonville. Zoned for Clay County schools including Tynes Elementary.
Pine Ridge's two-story water slide is a neighborhood kid legend.
Pine Ridge Plantation Mortgage Calculator
Illustrative fixed-rate payment only, not a current lender quote or pre-approval. The starting $400,000 price and 6.5% rate are examples, not local market figures. Adjust all assumptions for your property.
Estimated monthly payment
$2,992
Fixed-rate illustration: property tax assumes 1.1% of the entered price annually, insurance starts at $2,400/year, and PMI assumes 0.5% of loan balance annually below 20% down. Actual taxes, insurance, PMI and loan terms vary; closing costs, flood insurance and utilities are not included. Ask a lender for a current quote and obtain property-specific tax and insurance figures.
Frequently asked questions
Are condos harder to finance?
Sometimes — lenders review the condo association's finances, insurance, and owner-occupancy ratio. Townhomes with fee-simple lots finance like regular houses. We'll steer you right from day one.
What do HOA fees cover?
Typically exterior maintenance, roof (condos), landscaping, amenities, and master insurance. Fees near Pine Ridge Plantation range widely — we compare what you actually get for the money.
How do I get started with a Pine Ridge Plantation real estate expert?
Just reach out — call Tammy (904-708-0468) or Brooke (904-252-7390), or use the form on this page. We'll talk through your goals with zero pressure. Education first, pressure never.
Find low-maintenance homes in Pine Ridge Plantation
No spam, no pressure — just local expertise from Tammy & Brooke.
Keep exploring Pine Ridge Plantation
Pine Ridge Plantation is part of Middleburg — see the full Middleburg picture too.