Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 19
Sold

Sold·Closed Jul 17, 2026·87 days on market

4141 Sidewinder Trail

Middleburg, FL 32068

$460,000sold priceListed at $490,000 · 93.9% of asking$176/sqftMLS# 2135225
4
Beds
3
Baths
2,610
Sq Ft
1976
Built
—
Garage
Yes
Pool
No HOA2.13 acresSingle Family Residence1 story

About this home

Middleburg

Presenting 4141 Sidewinder Trl as a residence featuring all stainless steel appliances, an accent backsplash in kitchen, a covered patio, an in ground pool, a storage shed, a fenced in backyard, fresh interior paint, and partial flooring replacement. The exterior grounds include maintenance structures and lawn boundaries. This property maintains a standard design throughout the interior and exterior zones. Included 100-Day Home Warranty with buyer activation

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,548
Property taxesest. at asking price, Clay County$705
Estimated total, before insurance$3,253/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,192/yr · $99/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$460,000
$92,000
Loan Term
Monthly Payment
$2,548
Principal & Interest: $2,548
Property taxes (est.): $705
Insurance (est.): $307
Estimated Total Monthly
$3,560
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1976)

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

Solar potential: ~1,483 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

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

YearMarket valueTaxable valueChange
2025$347,214$54,695—
2024$338,236$48,266—
2023$319,131$41,809—
2022$301,088$40,040—
2021$264,219$33,954—
2020$258,498$31,153—

2025 property taxes (current owner): $1,192/yr

Estimated taxes if purchased at asking price: ~$8,500/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

  • Jul 17, 2026Closed$490,000

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 $194/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1170 Cactus Cut Road, Middleburg, FL 32068Listed by WATSON REALTY CORPSep 2026$250,000$1263/21,985560.4
4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEAug 2026$310,000$1334/32,339150.4
4268 Powderhorn Court, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$865,000$2584/33,35700.5
4660 Saddlehorn Trail, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERYAug 2026$440,000$1944/22,2681780.6
1229 Cactus Cut Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$435,000$1984/22,194400.7
1415 King Rail Lane, Middleburg, FL 32068Listed by GAILEY ENTERPRISES LLCJun 2026$500,000$1704/32,936610.8

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

Price$490,000
Price / Sq Ft$188
Bedrooms4
Bathrooms3.00
Full Baths2
Half Baths2
Square Footage2,610
Acres2.13 acres
Year Built1976
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

ElementaryTynes
MiddleWilkinson

Community Information

Address4141 Sidewinder Trail, Middleburg, FL 32068
Area143-Foxmeadow Area
SubdivisionFoxmeadow
CityMiddleburg
CountyClay
StateFL
Zip Code32068
Lot Size92,782.8 sq ft
Parcel Number23042400560603600

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport

Interior

AppliancesOther, Dishwasher, Microwave
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne

Exterior

RoofShingle

Additional Information

Date ListedMarch 16, 2026
Days on Market87
Tax Amount$1,192.23
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: OPENDOOR BROKERAGE, LLC.

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 17, 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

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines