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Active

Active·140 days on market

4564 Crazy Horse Avenue B

Middleburg, FL 32068

$599,000$350/sqftEst. $3,188/moMLS# 2131965

Beds

Baths

1,710

Sq Ft

2008

Built

Garage

Pool

About this home

Middleburg

This parcel was owned by 1 family, but divided into 2 parts many years ago. This is 5 acres ''in the back'', that abuts Jennings State Forest. The land behind the house is cleared, but the bulk of the parcel sits left of the house. This is used for hunting, wildlife, deer, birds, trees, creeks...an AMAZING peace of nature!!! ''Neighbors'' on the sides own huge parcels/50 & 80 acres so you have the outdoor life to live!! Upon entering the front gate at the sign ''Bar Ranch'' you'll follow the long driveway to the house. This home is 1710 SF, built with pinewood inside & vinyl siding outside. A metal roof, wraparound porch w/ screened back porch, central vac system. 3/2 house, laundry room, open floorplan with lots of space for hosting & entertaining. House built in 2008 w/lots of charm & character. The pole barn is 24x48ft w/a storage room. Bring your horses, there's a 4 stall barn and tack room. 2 car garage. Brand new well done by Partridge

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,026

Principal & Interest: $3,026

Est. Taxes & Insurance: $756

Estimated Total Monthly

$3,782

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,188

Property taxesest. at asking price, Clay County$918

Estimated total, before insurance$4,106/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$538,169	$90,510	—
2024	$493,730	$87,236	—
2023	$471,085	$83,282	—
2022	$389,043	$79,284	—
2021	$315,074	$75,437	—
2020	$285,999	$73,722	—

2025 property taxes (current owner): $1,900/yr

Estimated taxes if purchased at asking price: ~$11,000/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — year not disclosed (home built 2008)

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: ~997 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History