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Sold·Closed Dec 12, 2025·138 days on market
4637 Saddlehorn Trail
Middleburg, FL 32068
About this home
Middleburg
Back on the Market. Located on over an acre in the sought-after equestrian community of Foxmeadow, this well maintained one owner custom-built home is a true showpiece. Featuring 4 bedrooms and 2.5 bathrooms, the home has tasteful updates and extensive custom trim work throughout. The heart of the home is the open kitchen overlooking the pool and living area with granite countertops, stainless steel appliances and custom wood cabinetry. Plantation shutters are also an added feature throughout as this home is perfect for entertaining or everyday living. Hardwood floors flow throughout the open, inviting spaces. The generously sized ground floor owner's suite offers a private retreat with a large bath and walk-in closet. Upstairs, a versatile bonus room provides additional space for the perfect man cave or entertainment area and downstairs you have a dedicated office area with built in desk and shelving.
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 (that applies to the reference bill above too).
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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,715 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 6 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 5 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Knights Landing Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 4 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:34 AM, sunset 6:50 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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
2024 property taxes (current owner): $3,894/yr
Estimated taxes if purchased at asking price: ~$12,400/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.
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 $194/sq ft; this home is listed at $240/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 | 0.1 |
| 4732 Saddlehorn Trail, Middleburg, FL 32068Listed by CROSSVIEW REALTY | Aug 2026 | $821,500 | $223 | 5/3 | 3,686 | 107 | 0.2 |
| 4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $310,000 | $133 | 4/3 | 2,339 | 15 | 0.5 |
| 4268 Powderhorn Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $865,000 | $258 | 4/3 | 3,357 | 0 | 0.6 |
| 4141 Sidewinder Trail, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $460,000 | $176 | 4/3 | 2,610 | 87 | 0.7 |
| 1322 Warbler Way, Middleburg, FL 32068Listed by SHOE REALTY INC | Aug 2026 | $515,000 | $184 | 4/3.5 | 2,806 | 32 | 0.8 |
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: KALLAM REALTY GROUP PLLC
Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)
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 Dec 12, 2025. 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines