Sold·Closed Sep 15, 2026·40 days on market
1229 Cactus Cut Road
Middleburg, FL 32068
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
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 (that applies to the reference bill above too).
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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 7 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 3 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 2 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 6 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$8,000/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.
History
Price & status history
- Sep 15, 2026Closed$459,900
- Aug 19, 2026Active Under Contract$459,900
- Aug 4, 2026Price change$459,900−$15,100
- Jul 28, 2026Price change$475,000−$24,900
- Jul 10, 2026Listed$499,900
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 $191/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4008 Purple Sage Court, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $590,000 | $258 | 4/3 | 2,287 | 42 | 0.3 |
| 1170 Cactus Cut Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Sep 2026 | $250,000 | $126 | 3/2 | 1,985 | 56 | 0.3 |
| 1131 Cactus Cut Road, Middleburg, FL 32068Listed by PALM III REALTY AND PROPERTY M | Oct 2026 | $410,000 | $248 | 3/2 | 1,652 | 43 | 0.4 |
| 4141 Sidewinder Trail, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $460,000 | $176 | 4/3 | 2,610 | 87 | 0.7 |
| 4207 Cherry Lake Lane, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $405,000 | $162 | 4/3 | 2,505 | 125 | 0.9 |
| 4630 Pine Ridge Parkway, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $300,000 | $191 | 3/2 | 1,568 | 9 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Sold by: NON MLS (realMLS) (buyer's brokerage)
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.
Keep looking
More homes in Foxmeadow
For Sale4320 Saddlehorn TrailMiddleburg, FL 32068
4 bd · 3 ba · 2,339 sq ft
$478,900Est. $2,549/moCompletely remolded 4/3 New Shingled Roof Hot Water Heater Trane CH&A Unit, Panel Box all New Appliances in Primary…
Listing Office: watson realty corp
For Sale1184 Surrey GlenMiddleburg, FL 32068
3 bd · 2 ba · 1,695 sq ft
$439,000Est. $2,337/moPOOL + 1.12 ACRES + FIVE GARAGE BAYS! Rarely do you find this much space, privacy and garage capacity in one property!…
Listing Office: select realty llc
Under Contract1555 Surrey Glen CoveMiddleburg, FL 32068
3 bd · 2 ba · 2,274 sq ft
$489,000Est. $2,603/moThis exceptional 3-bedroom, 2-bath home in the highly sought-after Foxmeadow community offers 2,272 sf of beautifully…
Listing Office: watson realty corp
For Sale4201 Sidewinder TrailMiddleburg, FL 32068
4 bd · 2 ba · 1,972 sq ft
$575,000Est. $3,060/moWelcome to your own private country retreat in the highly sought-after equestrian community of Foxmeadow! Nestled on…
Listing Office: kallam realty group pllc
Keep looking
Similar homes in Middleburg
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 15, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines