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Active

Active·3 days on market

4201 Sidewinder Trail

Middleburg, FL 32068

$649,000$329/sqftEst. $3,309/moMLS# 2156269

Beds

Baths

1,972

Sq Ft

1976

Built

Garage

Yes

Pool

About this home

Middleburg

Welcome to your own private country retreat in the highly sought-after equestrian community of Foxmeadow! Nestled on 2.7 acres, this well maintained 4-bedroom, 2-bath brick home offers the perfect blend of country charm, modern upgrades, and exceptional functionality. The home features a warm country-style interior with a spacious kitchen offering abundant cabinet and countertop space, making it ideal for entertaining. The spacious owner's suite provides a peaceful retreat with a spacious bath, while the glass-enclosed Florida room overlooks the screened saltwater pool, creating the perfect space to relax and enjoy the outdoors. This home has been thoughtfully updated for comfort and peace of mind, including a durable metal roof, updated windows, whole-home generator, and a climate-controlled flex/storage room that can easily accommodate hobbies, a home office, or

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,309

Principal & Interest: $3,309

Property taxes (est.): $995

Insurance (est.): $433

Estimated Total Monthly

$4,736

*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$3,309

Property taxesest. at asking price, Clay County$995

HOAbilled annually$3

Estimated total, before insurance$4,307/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: Metal — year not disclosed (home built 1976)

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

Solar potential: ~1,423 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 20, 2026Listed$649,000

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

Features

Price$649,000

Price / Sq Ft$329

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,972

Total Structure Area3,033 sq ft

Acres2.72 acres

Year Built1976

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

# of Carport Spaces2

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryTynes

MiddleWilkinson

HighMiddleburg

Community Information

Address4201 Sidewinder Trail, Middleburg, FL 32068

Area143-Foxmeadow Area

SubdivisionFoxmeadow

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size118,396.08 sq ft

Parcel Number23042400560603900

ZoningResidential

Amenities

AmenitiesBasketball Court, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Carport, Detached, Garage, RV Access/Parking

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)