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Sold·Closed May 18, 2026·326 days on market
4041 Saddlehorn Trail
Middleburg, FL 32068
About this home
Middleburg
3.9 ACRE, ZONED FOR HORSES PROPERTY, with direct access to Jennings State Forest via Live Oak Ln! This large equine property situated in Foxmeadow, Middleburg's Premier Estate Lot Neighborhood, offers prime flat, high & dry land perfect for horses, gardening, landscape dreams or just simply wonderful privacy. Home features 4 bedrooms, 2 bath, 2 car garage & a 2-spot carport. Heavy duty 2 stall barn built with block construction, which offers a wash rack for the horses, two great size stalls and a tack room, plus additional covered space. Property also has an RV/boat carport and multiple shady areas for the horses. Inside the kitchen features a new cooktop, double oven, new microwave and huge refrigerator. Split bedroom plan, large common areas & a primary bath with huge tub and large, extra useful vanity design. Large back covered & screened porch is great for entertaining or simply watching the wildlife in the backyard to include deer, turkey & hawks.
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 1991)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,629 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.
History
Price & status history
- May 6, 2025Listed$580,000
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 $194/sq ft; this home is listed at $315/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1170 Cactus Cut Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Sep 2026 | $250,000 | $126 | 3/2 | 1,985 | 56 | 0.4 |
| 1131 Cactus Cut Road, Middleburg, FL 32068Listed by PALM III REALTY AND PROPERTY M | Oct 2026 | $410,000 | $248 | 3/2 | 1,652 | 43 | 0.5 |
| 4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $310,000 | $133 | 4/3 | 2,339 | 15 | 0.5 |
| 1229 Cactus Cut Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $435,000 | $198 | 4/2 | 2,194 | 40 | 0.7 |
| 953 McLaughlin Lane, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $280,000 | $173 | 3/2 | 1,620 | 25 | 0.8 |
| 4660 Saddlehorn Trail, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $440,000 | $194 | 4/2 | 2,268 | 178 | 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: WATSON REALTY CORP
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 May 18, 2026. 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines