Sold·Closed Oct 5, 2026·43 days on market
1131 Cactus Cut Road
Middleburg, FL 32068
About this home
Middleburg
*SUBMIT HIGHEST AND BEST OFFERS BY 9/3 5PM* 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.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,602 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 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.
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: ~$7,500/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
- Oct 6, 2026Closed$439,000
- Sep 4, 2026Pending$439,000
- Aug 5, 2026Price change$439,000−$11,000
- Jul 23, 2026Listed$450,000
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 $191/sq ft; this home is listed at $266/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1170 Cactus Cut Road, Middleburg, FL 32068Listed by WATSON REALTY CORP | Sep 2026 | $250,000 | $126 | 3/2 | 1,985 | 56 | 0.2 |
| 4630 Pine Ridge Parkway, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $300,000 | $191 | 3/2 | 1,568 | 9 | 0.6 |
| 1095 Persimmon Drive, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $320,000 | $169 | 4/2 | 1,899 | 15 | 0.8 |
| 1684 Night Owl Trail, Middleburg, FL 32068Listed by MAZEN HOMES, INC. | Aug 2026 | $278,000 | $218 | 3/2 | 1,278 | 36 | 1 |
| 953 McLaughlin Lane, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $280,000 | $173 | 3/2 | 1,620 | 25 | 1.2 |
| 3760 Old Jennings Road B, Middleburg, FL 32068Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $600,000 | $335 | 3/2 | 1,792 | 80 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PALM III REALTY AND PROPERTY M
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 5, 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
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