Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 67
Active

Active·94 days on market

4201 Sidewinder Trail

Middleburg, FL 32068

$575,000$292/sqftEst. $3,160/mo mortgageMLS# 2156269
↓ $74,000 below original list
4
Beds
2
Baths
1,972
Sq Ft
1976
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $3/mo2.72 acresWaterfrontSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$3,160
Property taxesest. at asking price, Clay County$881
HOAbilled annually$3
Estimated total, before insurance$4,044/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$575,000
$115,000
Loan Term
Monthly Payment
$3,160
Principal & Interest: $3,160
Property taxes (est.): $881
Insurance (est.): $383
Estimated Total Monthly
$4,424
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:34 AM, sunset 6:50 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 12, 2026Price change$575,000−$24,000
  • Sep 23, 2026Price change$599,000−$16,000
  • Sep 11, 2026Price change$615,000−$10,000
  • Sep 2, 2026Price change$625,000−$19,000
  • Aug 16, 2026Price change$644,000−$5,000
  • Jul 20, 2026Listed$649,000

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 $198/sq ft; this home is listed at $292/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATEAug 2026$310,000$1334/32,339150.3
1131 Cactus Cut Road, Middleburg, FL 32068Listed by PALM III REALTY AND PROPERTY MOct 2026$410,000$2483/21,652430.5
1170 Cactus Cut Road, Middleburg, FL 32068Listed by WATSON REALTY CORPSep 2026$250,000$1263/21,985560.5
4660 Saddlehorn Trail, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERYAug 2026$440,000$1944/22,2681780.5
4008 Purple Sage Court, Middleburg, FL 32068Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$590,000$2584/32,287420.7
1229 Cactus Cut Road, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$435,000$1984/22,194400.8

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

Price$575,000
Price / Sq Ft$292
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

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)
Community FeaturesStreet Lights
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)

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionAgricultural, Farm, Few Trees
Patio / PorchGlass Enclosed, Rear Porch
FencingBack Yard, Wire, Wood
RoofMetal
ConstructionBrick
Other StructuresBarn(s), Shed(s), Workshop
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedJuly 20, 2026
Days on Market91
HOA Fees$40 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KALLAM REALTY GROUP PLLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines