Pending·121 days on market
4732 Saddlehorn Trail
Middleburg, FL 32068
About this home
Middleburg
1.1-acre waterfront property • Screened pool • Private fishing dock • 2024 roof. This 4-bedroom home with a dedicated office and expansive bonus room offers 3,686 square feet of flexible living with room for boats, RVs, and recreational equipment. The gourmet kitchen features updated finishes and serves as the centerpiece of the home, while new flooring and refreshed interiors create a move-in-ready feel. The living room and primary suite each include a gas fireplace, and the primary retreat offers water views from a private balcony. Outdoor living includes a screened pool, firepit lounge, private fishing dock, covered porch, gazebo, and peaceful waterfront setting. Major updates include a new roof (2024), two HVAC systems (2025), and two water heaters (2025). Oversized 3-car garage. Community amenities include tennis, basketball, soccer, and a playground. Includes 3D virtual tour and floor plan.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $697,901 | $446,129 | — |
| 2024 | $566,397 | $432,849 | — |
| 2023 | $542,951 | $418,786 | — |
| 2022 | $510,000 | $405,133 | — |
| 2021 | $441,877 | $391,877 | — |
| 2020 | $506,697 | $366,070 | — |
2025 property taxes (current owner): $7,324/yr
Estimated taxes if purchased at asking price: ~$15,600/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.
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 — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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 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.
History
Price & status history
- Jul 9, 2026Pending$845,900
- Mar 24, 2026Listed$845,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CROSSVIEW REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Foxmeadow
Active$649,000MLS# 2156269Est. $3,454/mo4201 Sidewinder Trail, Middleburg, FL 320684 Beds2 Baths1,972 sqftWelcome to your own private country retreat in the highly sought-after equestrian community of Foxmeadow! Nestled on…
ResidentialKALLAM REALTY GROUP PLLC
Active$499,900MLS# 2154841Est. $2,661/mo1229 Cactus Cut Road, Middleburg, FL 320684 Beds2 Baths2,194 sqftLovely 4 bedroom 2 bath home in highly sought after Fox Meadow Equestrian neighborhood. Formal Living room and Dining…
ResidentialCOLDWELL BANKER VANGUARD REALTY
Active$499,900MLS# 2140536Est. $2,661/mo1229 Cactus Cut Road, Middleburg, FL 320684 Beds2 Baths2,194 sqftLovely 4 bedroom 2 bath home in highly sought after Fox Meadow Equestrian neighborhood. Formal Living room and Dining…
ResidentialCOLDWELL BANKER VANGUARD REALTY
Pending$475,000MLS# 2125758Est. $2,528/mo4660 Saddlehorn Trail, Middleburg, FL 320684 Beds2 Baths2,268 sqftWaterfront!!!Beautiful 4-bedroom, 2-bath brick lakefront home situated on 1.24 acre lot on a spring-fed lake in the…
ResidentialUNITED REAL ESTATE GALLERY
Keep looking
Similar homes in Middleburg
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