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Sold·Closed Nov 12, 2024·150 days on market
4680 Saddlehorn Trail
Middleburg, FL 32068
About this home
Middleburg
Foxmeadow, Middleburg's Premier Estate Lot neighborhood. With an eastern exposure, the sun sets over the lake and offers simply stunning views. This house on a hill with 5 bedrooms and 3 baths, this 2700 sqaure foot home features nicely remodeled kitchen, large dining rooms, well appointed primary bedroom features, split bedrooms with the fifth one being upstairs. Shaded driveway and garage area, huge covered and enclosed patio overlooking the lake. Outside there's a workshop, an overlook and a dock to fully enjoy what this home has to offer. While still being tucked away from the busiest parts of the county, it still maintains close access to many shop and minutes away from tons of dining choices and only about 35 minutes from Downtown Jacksonville.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,751 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $3,261/yr
Estimated taxes if purchased at asking price: ~$10,700/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Aug 24, 2024Listed$600,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $184/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4660 Saddlehorn Trail, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $440,000 | $194 | 4/2 | 2,268 | 178 | 0 |
| 4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $310,000 | $133 | 4/3 | 2,339 | 15 | 0.4 |
| 4268 Powderhorn Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $865,000 | $258 | 4/3 | 3,357 | 0 | 0.5 |
| 4141 Sidewinder Trail, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $460,000 | $176 | 4/3 | 2,610 | 87 | 0.6 |
| 1322 Warbler Way, Middleburg, FL 32068Listed by SHOE REALTY INC | Aug 2026 | $515,000 | $184 | 4/3.5 | 2,806 | 32 | 0.8 |
| 1415 King Rail Lane, Middleburg, FL 32068Listed by GAILEY ENTERPRISES LLC | Jun 2026 | $500,000 | $170 | 4/3 | 2,936 | 61 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 12, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines