Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·18 days on market

4145 Appaloosa Road

Middleburg, FL 32068

$590,000$259/sqftEst. $3,043/moMLS# 2143037

Beds

Baths

2,275

Sq Ft

1982

Built

—

Garage

Pool

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 and entertaining, this home features a spacious great room, separate dining area, and bright kitchen that opens to a cozy breakfast nook. All bathrooms have been tastefully updated. The detached garage has been enclosed into two separate rooms with a closet and air conditioning, creating the perfect space for a home office, craft room, gym, or future in-law suite with the addition of a bathroom. A separate carport/workshop with electricity provides even more flexibility for hobbies, storage, or projects. Bring your horses, chickens, RV, and boat! This property offers the freedom you've been looking for with no HOA or CDD fees! Enjoy relaxing outdoors on the screened patio. Major updates include a new roof 2018, HVAC 2024 & water heater in 2025.

Cost to own

Mortgage calculator

Home Price

$590,000

Down Payment: 20%

$118,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,043

Principal & Interest: $3,043

Property taxes (est.): $904

Insurance (est.): $393

Estimated Total Monthly

$4,340

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.69% · 30yr$3,043

Property taxesest. at asking price, Clay County$904

Estimated total, before insurance$3,947/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,057/yr · $171/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).

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: ~$10,800/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: 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 home

As 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