Active·332 days on market
3990 Appaloosa Road
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Discover the perfect blend of peace and accessibility with this beautiful one-acre lot located in the heart of Middleburg. Enjoy the serenity of a country setting while remaining just minutes from retail centers, dining, professional offices, hospitals, and the First Coast Expressway. This versatile property offers endless possibilities-build your dream home or place a mobile home with ease. Zoned for agricultural use, it provides the flexibility to accommodate horse, chickens, goats, ATVs, and RVs. The lot is cleared, fully fenced, and features an existing septic system, well and electric pole. The buyer is responsible for verifying the condition of all utilities. With no HOA or CDD fees, you'll have the freedom to design the lifestyle you've been looking for. Don't miss this rare opportunity to own peaceful piece of Middleburg, just short drive from all the conveniences of modern living.
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).
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,698 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 homeAs of July 2026, this 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.
Cost to own
Taxes & assessment
Last sold: $81,000 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $80,000 | $60,984 | — |
| 2024 | $57,800 | $55,440 | — |
| 2023 | $50,400 | $50,400 | — |
| 2022 | $190,182 | $159,523 | — |
| 2021 | $156,960 | $145,021 | — |
| 2020 | $131,838 | $131,838 | — |
2024 property taxes (current owner): $847/yr
Estimated taxes if purchased at asking price: ~$2,600/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 (2025), NEFMLS.
History
Price & status history
- Nov 12, 2025Listed$140,000
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4321 Falcon Run Lane, Middleburg, FL 32068Listed by BETROS REALTY INC | Sep 2026 | $122,500 | — | 0/0 | — | 35 | 1.2 |
| 3760 Old Jennings Road, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $600,000 | — | 0/0 | — | 80 | 1.3 |
| 3984 Lazy Acres Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jan 2026 | $60,000 | — | 0/0 | — | 603 | 1.6 |
| 2139 2143 Charter Pointe Way, Middleburg, FL 32068Listed by NORTH FLORIDA REALTY ADVISORS | Sep 2026 | $205,000 | — | 0/0 | — | 120 | 2 |
| 3477 Olin Baxley, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $95,000 | — | 0/0 | — | 26 | 2.2 |
| 1030 Discovery Drive, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $391,750 | — | 0/0 | — | 756 | 2.8 |
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
Community Information
Amenities
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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