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Single Family ResidenceResidential
$361,993$181 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $120,100 on Nov 17, 1995

3319 RIVERBANK DR

MIDDLEBURG, FL 32068
3
Beds
2
Baths
2,004 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$362K
$344K low$380K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$120,100 · Nov 17, 1995
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$202,754
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$162,203
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$99,239
VYSTAR CU · R · recorded Dec 6, 2013
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$60,000
BANK OF AMERICA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,439 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$144,496 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$140,424
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$284,331

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
30
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
28
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.5 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyClay
Lot (acres)The size of the land the home sits on, from county records.0.23
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 88 ft²Porch · 360 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
RideOut Elementary SchoolB-
Elementary · Grades KG–6 · 0.1 mi
H
Ridgeview High SchoolC+
High · Grades 9–12 · 2.7 mi
M
Lake Asbury Junior High SchoolB
Middle · Grades 7–8 · 3.5 mi

District: Clay County School District

Neighborhood · ZIP 32068These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.59,564
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.515 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,506
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,038
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3319 Riverbank Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Bigger than 70% of homes in Middleburg 32068
  • Has a smaller lot than 65% of homes in Middleburg 32068

What homes are worth in Middleburg 32068

Each bar is how many homes fall in that price range. The marker is this home.

This home
$186K$660K

This home is worth more than 64% of homes in Middleburg 32068.

How it measures up in Middleburg 32068

The dot is this home. The mark in the middle is the typical home in Middleburg 32068.

Estimated value$361,993
CheaperTypical $330,323Pricier

Pricier than 64% of homes nearby

Price per ft²$181
CheaperTypical $186Pricier

Pricier than 41% of homes nearby

Living area2,004 ft²
SmallerTypical 1,716 ft²Bigger

Bigger than 70% of homes nearby

Lot size0.23 ac
SmallerTypical 0.47 acBigger

Bigger than 35% of homes nearby

Year built1995
OlderTypical 2000Newer

Newer than 39% of homes nearby

How 3319 Riverbank Dr ranks against every home in each area.
MeasureThis homeMiddleburg 32068Clay County
Estimated valuepricier than$361,99364% of homes59% of homes
Price per ft²pricier than$18141% of homes48% of homes
Living areabigger than2,004 ft²70% of homes63% of homes
Lot sizebigger than0.23 ac35% of homes40% of homes
Year builtnewer than199539% of homes45% of homes

About 3319 Riverbank Dr

How much is 3319 Riverbank Dr, Middleburg, FL worth?

The TopHap Estimate for 3319 Riverbank Dr, Middleburg, FL is $361,993 as of Jul 14, 2026. The likely range is $343,548 to $380,438. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3319 Riverbank Dr, Middleburg, FL last sell?

3319 Riverbank Dr, Middleburg, FL last sold on Nov 17, 1995 for $120,100, according to the county's recorded deed.

How big is 3319 Riverbank Dr, Middleburg, FL?

3319 Riverbank Dr, Middleburg, FL has 3 bedrooms, 2 bathrooms, 2,004 square feet of living space and a 0.23-acre lot.

When was 3319 Riverbank Dr, Middleburg, FL built?

3319 Riverbank Dr, Middleburg, FL was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 3319 Riverbank Dr, Middleburg, FL?

3319 Riverbank Dr, Middleburg, FL is assigned to RideOut Elementary School (elementary), rated B-; Ridgeview High School (high), rated C+; Lake Asbury Junior High School (middle), rated B. All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3319 Riverbank Dr, Middleburg, FL compare to other homes in Middleburg 32068?

Among the 22,406 homes in Middleburg 32068, it is worth more than 64% of them ($361,993 against a typical $330,323), its price per square foot is higher than 41% of them ($181 against a typical $186), it is bigger than 70% of them (2,004 ft² against a typical 1,716 ft²), its lot is bigger than 35% of them (0.23 ac against a typical 0.47 ac) and it is newer than 39% of them (1995 against a typical 2000). Measured against all of Clay County, it is worth more than 59% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3319 Riverbank Dr, Middleburg, FL?

The 2025 property tax bill for 3319 Riverbank Dr, Middleburg, FL was $1,439. The county assessed it at $144,496.

Closest homes

More homes in Middleburg 32068

Assigned schools

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