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Active Under Contract

Active Under Contract·48 days on market

1170 Cactus Cut Road

Middleburg, FL 32068

$325,000$164/sqftEst. $1,657/moMLS# 2151149

Beds

Baths

1,985

Sq Ft

1983

Built

Garage

Pool

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

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,657

Principal & Interest: $1,657

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,372

*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$1,657

Property taxesest. at asking price, Clay County$498

Estimated total, before insurance$2,155/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.

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 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

Price & status history

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.

Features

Price$325,000

Price / Sq Ft$164

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,985

Total Structure Area2,549 sq ft

Acres1.09 acres

Year Built1983

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1170 Cactus Cut Road, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionFoxmeadow

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size47,480.4 sq ft

Lot Dimensions152x336x139x336

Parcel Number005606-167-00

ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup