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Active

Active·13 days on market

1229 Cactus Cut Road

Middleburg, FL 32068

$499,900$228/sqftEst. $2,549/moMLS# 2154841

Beds

Baths

2,194

Sq Ft

2002

Built

Garage

Pool

About this home

Middleburg

Lovely 4 bedroom 2 bath home in highly sought after Fox Meadow Equestrian neighborhood. Formal Living room and Dining room, Great room with 2 sided Fireplace, Eat in kitchen with Island, all appliances stay, Screened lanai overlooks large rear yard with 2 sheds and Carport. Roof and AC replaced in 2019.. Private yard with long driveway, Courtyard garage. Almost an acre!

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,549

Principal & Interest: $2,549

Property taxes (est.): $766

Insurance (est.): $333

Estimated Total Monthly

$3,648

*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$2,549

Property taxesest. at asking price, Clay County$766

Estimated total, before insurance$3,315/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,732/yr · $228/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	$428,221	$145,049	—
2024	$413,700	$140,113	—
2023	$390,897	$134,431	—
2022	$360,200	$133,414	▼ $394
2021	$289,823	$128,058	—
2020	$283,743	$125,593	—

2025 property taxes (current owner): $2,732/yr

Estimated taxes if purchased at asking price: ~$9,200/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 2002)

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

Septic system (public record) · 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: ~1,438 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 10, 2026Listed$499,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,900

Price / Sq Ft$228

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,194

Acres1.03 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1229 Cactus Cut Road, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionFoxmeadow

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size44,866.8 sq ft

Parcel Number26042400560623900

ZoningResidential

Amenities

UtilitiesCable Available

SewerSeptic Tank

Water SourceWell

ParkingCarport, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

SecuritySmoke Detector(s)