Active·63 days on market
4145 Appaloosa Road
Middleburg, FL 32068
About this home
Middleburg
Escape to the peace and privacy of country living with this beautifully maintained all-brick 4-bedroom, 2.5-bath home situated on 3.06 high-and-dry acres that are fully fenced. Designed for both everyday living & entertaining, this home features a spacious great room, separate dining area, & bright kitchen that opens to a cozy breakfast nook. All bathrooms have been tastefully updated. The 540 SF detached building includes two separate rooms w/ a closet & air conditioning, creating the perfect space for a home office, craft room, gym, or future in-law suite w? the addition of a bathroom. A separate carport/garage w/ electricity provides even more flexibility for hobbies, storage, or projects. Bring your horses, chickens, RV, & boat! This property offers the freedom you've been looking for! Enjoy relaxing outdoors on the screened patio. Major updates include a new roof 2018, HVAC 2024 & water heater in 2025. Several pictures have been AI enhanced.
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: material not specified — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,499 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 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 | $327,150 | $100,836 | — |
| 2024 | $300,965 | $97,146 | — |
| 2023 | $289,176 | $97,715 | — |
| 2022 | $264,319 | $93,413 | — |
| 2021 | $205,484 | $89,236 | — |
| 2020 | $209,894 | $87,314 | — |
2025 property taxes (current owner): $2,057/yr
Estimated taxes if purchased at asking price: ~$10,500/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
- Sep 12, 2026Price change$570,000−$10,000
- Aug 31, 2026Price change$580,000−$10,000
- May 1, 2026Listed$590,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: WATSON REALTY CORP · smurray@watsonrealtycorp.com
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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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines