Active·Listed today
1131 Cactus Cut Road
Middleburg, FL 32068
About this home
Middleburg
POOL HOME, WORKSHOP, RV STORAGE, AND ROOM TO SPREAD OUT! Situated on 1.22 acres in Foxmeadow Equestrian Estates, this 3-bedroom, 2-bathroom home offers an impressive combination of comfortable living, outdoor entertaining, and versatile storage. The living room features soaring ceilings, skylights, and a wood-burning fireplace, while the kitchen showcases custom cabinetry and quartz countertops. Tile flooring extends throughout the home for easy maintenance. Step outside to your own private retreat featuring a 16' x 35' pool, fenced pool area, pool house, and patio--perfect for entertaining or relaxing at home. There is room for vehicles, hobbies, and more with a two-car garage, RV carport, 12' x 36' workshop, 12' x 12' storage shed, and a 12' x 24' insulated, air-conditioned she-shed. A concrete driveway and Generac-ready setup. With a pool, abundant workspace, and exceptional storage, this Foxmeadow property offers the space and flexibility that are increasingly difficult to find.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $285,484 | $202,010 | — |
| 2024 | $277,893 | $195,469 | — |
| 2023 | $259,097 | $188,174 | — |
| 2022 | $236,092 | $185,592 | ▼ $732 |
| 2021 | $187,941 | $187,941 | — |
| 2020 | $183,177 | $183,177 | — |
2025 property taxes (current owner): $3,600/yr
Estimated taxes if purchased at asking price: ~$8,300/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,602 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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 23, 2026Listed$450,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines