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Pending

Pending·3 days on market

4660 Saddlehorn Trail

Middleburg, FL 32068

$475,000$209/sqftEst. $2,422/moMLS# 2125758

Beds

Baths

2,268

Sq Ft

1997

Built

Garage

Pool

About this home

Middleburg

Waterfront!!!Beautiful 4-bedroom, 2-bath brick lakefront home situated on 1.24 acre lot on a spring-fed lake in the desirable FoxMeadow community. This home features a spacious guest suite, with a private entrance--ideal for a home office, homeschooling, or multigenerational living or in-law suite. The kitchen offers beautiful Corian countertops, complemented by wood and tile flooring throughout. The primary suite boasts a cozy fireplace and tranquil water views from the bay window and large walk-in closet. The Interior has been freshly painted white, providing a bright, clean canvas - Bring your own ideas for a custom accent wall of your choice. Enjoy evenings on your own private dock--for perfect for fishing or simply relaxing while taking in the peaceful lake setting. DEEP 2 CAR GARAGE WITH ADDITIONAL SPACE FOR LAWN EQUIPTMENT OR GOLF CART. Septic tank located in front yard. ADDITIONAL PERK CISTERN ARTESIAN WELL has the ability to run without electricity.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $728

Insurance (est.): $317

Estimated Total Monthly

$3,466

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,422

Property taxesest. at asking price, Clay County$728

Estimated total, before insurance$3,150/mo

• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$444,572	$444,572	—
2024	$429,672	$364,079	—
2023	$406,873	$356,873	—
2022	$385,784	$385,784	—
2021	$336,460	$213,794	—
2020	$327,170	$210,152	—

Estimated taxes if purchased at asking price: ~$8,700/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 (2025), NEFMLS.

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: Shingle — year not disclosed (home built 1997)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · 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: ~1,749 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 home

As 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.

History