Sold·Closed Sep 9, 2026·56 days on market
1170 Cactus Cut Road
Middleburg, FL 32068
About this home
Middleburg
Highly sought after neighborhood, which includes a county maintained PARK Homes only also. New Interstate Expressway just around the corner. Apprx 10 minutes away from Home Depot, Lowes, St. Vincents Hospital, Walmart and many eateries. Home is dated and needs a little updating watch your STEP from living to dining room, split floorplan. Home will need new Drainfield and is located in the front yard so Inground Pool/Detached Garage shed etc, can go in the back. Well located on the R side. in the back, Plenty of space in the backyard, Buyer to do there own due diligence pertaining to any improvments.
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.
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 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: Shingle — year not disclosed (home built 1983)
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: ~1,444 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.
History
Price & status history
- Sep 9, 2026Closed$325,000
- Aug 12, 2026Pending$325,000
- Aug 11, 2026Active$325,000
- Jul 29, 2026Active Under Contract$325,000
- Jul 19, 2026Price change$325,000−$25,000
- Jun 18, 2026Listed$350,000
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 $164/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1131 Cactus Cut Road, Middleburg, FL 32068Listed by PALM III REALTY AND PROPERTY M | Oct 2026 | $410,000 | $248 | 3/2 | 1,652 | 43 | 0.2 |
| 1229 Cactus Cut Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $435,000 | $198 | 4/2 | 2,194 | 40 | 0.3 |
| 4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $310,000 | $133 | 4/3 | 2,339 | 15 | 0.8 |
| 4630 Pine Ridge Parkway, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $300,000 | $191 | 3/2 | 1,568 | 9 | 0.8 |
| 1095 Persimmon Drive, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $320,000 | $169 | 4/2 | 1,899 | 15 | 1 |
| 4660 Saddlehorn Trail, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $440,000 | $194 | 4/2 | 2,268 | 178 | 1.1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 Sep 9, 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.
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