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4732 SADDLEHORN Trail, Middleburg, FL 32068

$849,900
MLS# 2134679
5
Bedrooms
3
Bathrooms
3,686
Sq Ft
2001
Year Built

About This Home — 4732 SADDLEHORN Trail

Private 1.1-acre waterfront retreat offering exceptional privacy, space, & refined indoor-outdoor living with room for boats, RVs, & recreational equipment. Enjoy exceptional outdoor living w/ a screened pool, firepit lounge, & private fishing dock--perfect for relaxing evenings or entertaining by the water. Inside, the home features new flooring, tastefully refreshed interiors, & a beautifully designed gourmet kitchen that serves as the centerpiece of the home. The thoughtfully designed layout includes four bedrooms, a dedicated home office, & an expansive bonus room ideal for a fifth bedroom, media room, or game room. The living room & primary suite each feature gas fireplaces, while the primary retreat enjoys serene water views from its private balcony. Major updates: a new roof (2024), two HVAC systems (2025), two water heaters (2025), plus an oversized 3-car garage. Located in the highly regarded Clay County School District w/ access to tennis, soccer, basketball, playground.

Features

Price$849,900
Price / Sq Ft$231
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,686
Acres1.06 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontYes

School Information

ElementaryTynes
MiddleWilkinson
HighRidgeview

Community Information

Address4732 SADDLEHORN Trail, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionFoxmeadow
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size46,173.6 sq ft
Parcel Number23042400557200128

Amenities

UtilitiesElectricity Connected, Sewer Available, Water Available
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener, RV Access/Parking
ViewPond, Pool, Water
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Central Vacuum, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

Exterior FeaturesBalcony, Dock, Fire Pit
Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionBrick, Fiber Cement
Other StructuresGazebo, Shed(s)

Additional Information

Date ListedMarch 24, 2026
Days on Market67
Tax Amount$7,323.82
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Mortgage Calculator

$849,900
$169,980
Loan Term
Monthly Payment
$4,524
Principal & Interest: $4,524
Est. Taxes & Insurance: $1,131
Estimated Total Monthly
$5,654
*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Listing Courtesy of: CROSSVIEW REALTYJENNIFER HENDRY · Jennifer@CrossViewRealty.com

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida