Sold·Closed Aug 21, 2026·107 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
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: 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.
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: ~$15,100/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
- Aug 21, 2026Closed$845,900
- 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.
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. Their median is $184/sq ft; this home is listed at $229/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4268 Powderhorn Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $865,000 | $258 | 4/3 | 3,357 | 0 | 0.4 |
| 4141 Sidewinder Trail, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $460,000 | $176 | 4/3 | 2,610 | 87 | 0.5 |
| 1176 Orchard Oriole Place, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $520,000 | $189 | 4/3 | 2,753 | 18 | 0.5 |
| 1322 Warbler Way, Middleburg, FL 32068Listed by SHOE REALTY INC | Aug 2026 | $515,000 | $184 | 4/3.5 | 2,806 | 32 | 0.7 |
| 3839 Trail Ridge Road, Middleburg, FL 32068Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Aug 2026 | $500,000 | $166 | 5/3 | 3,007 | 81 | 0.8 |
| 2175 Club Lake Drive, Orange Park, FL 32065Listed by REDFIN CORPORATION | Jul 2026 | $625,000 | $164 | 5/4 | 3,815 | 13 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CROSSVIEW REALTY
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
This home sold on Aug 21, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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