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·58 days on market

1131 Cactus Cut Road

Middleburg, FL 32068

$449,900$272/sqftEst. $2,294/moMLS# 2149508

Beds

Baths

1,652

Sq Ft

1984

Built

Garage

Yes

Pool

About this home

Middleburg

Must see this beautiful POOL HOME on 1+ acre in the desirable equestrian neighborhood of Foxmeadow. Cozy country farmhouse feel with custom wood cabinets in the kitchen, a copper farmhouse sink and wood-look ceramic tile throughout the home. The huge stone fireplace and rustic wood plank walls in the living room make you feel as if you're in a mountain lodge. Large covered rear patio is perfect for entertaining by the pool. The yard features several fruit trees and has a dedicated garden and chicken coop area. There is an additional area in the rear to park your RV, along with multiple storage sheds for all your storage needs. The front shed is being used as an office and is air-conditioned. The middle shed is for lawn equipment storage, and the rear shed is a workshop with work benches and storage cupboards. The brand new concrete driveway is very long and provides ample parking for guests. Come take a look before this wonderful home is gone!

Cost to own

Mortgage calculator

Home Price

$449,900

Down Payment: 20%

$89,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $689

Insurance (est.): $300

Estimated Total Monthly

$3,283

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,294

Property taxesest. at asking price, Clay County$689

Estimated total, before insurance$2,983/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$285,484	$202,010	—
2024	$277,893	$195,469	—
2023	$259,097	$188,174	—
2022	$236,092	$185,592	▼ $732
2021	$187,941	$187,941	—
2020	$183,177	$183,177	—

Estimated taxes if purchased at asking price: ~$8,300/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 — year not disclosed (home built 1984)

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

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: ~1,602 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 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