Active·1 day on market
4145 Appaloosa Road
Middleburg, FL 32068
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
**3 ACRES**UPDATED**FULLY FENCED** This immaculately maintained ALL BRICK 4 bed/3 bath, 2,275sqft home offers the peace and quiet of country living with NO HOA! Sitting HIGH AND DRY at the crest of a hill on 3 ACRES of fully fenced property with mature landscaping, it features a 2018 roof, 2024 HVAC, and a NEWER WATER HEATER (2025). This LARGE HOME is excellent for entertaining, boasting a dedicated dining area, breakfast nook, screened-in patio, and tastefully updated bathrooms. Experience breathtaking sunrises, sunsets, and starry nights in a birdwatcher's paradise with plenty of room for gardening, animals, horses, or a pool. Enjoy ultimate flexibility with a carport, a garage ready to convert to an ADU/MOTHER IN LAW SUITE, an insulated outbuilding/SHE-SHED, and a separate GARAGE in the back ideal for hobbies or a home business. Located just minutes from Black Creek, Jennings State Forest, shopping, and Ascension St Vincent's Hospital! Don't miss this incredible deal!
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 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: Shingle — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,503 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 October 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 and league fields from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 8 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 2 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Indian Ford Paddling Accessabout 2 mi · Black Creek North Fork
Closest youth league fields
Argyle Forest Parkabout 10 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:31 AM, sunset 6:54 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $327,150 | $100,836 | — |
| 2024 | $300,965 | $97,146 | — |
| 2023 | $289,176 | $97,715 | — |
| 2022 | $264,319 | $93,413 | — |
| 2021 | $205,484 | $89,236 | — |
| 2020 | $209,894 | $87,314 | — |
2025 property taxes (current owner): $2,057/yr
Estimated taxes if purchased at asking price: ~$9,700/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 16, 2026Active$529,990
- Oct 15, 2026Listed$529,990
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 $162/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4327 Warm Springs Way, Middleburg, FL 32068Listed by TOP SOURCE REALTY LLC | Jul 2026 | $259,900 | $152 | 4/2 | 1,705 | 41 | 0.7 |
| 1866 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Aug 2026 | $300,000 | $162 | 4/2 | 1,856 | 55 | 1 |
| 1837 Cherry Creek Way, Middleburg, FL 32068Listed by ENTERA REALTY LLC | Aug 2026 | $299,900 | $162 | 4/2 | 1,856 | 61 | 1 |
| 4207 Cherry Lake Lane, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $405,000 | $162 | 4/3 | 2,505 | 125 | 1.1 |
| 1978 Rock Springs Way, Middleburg, FL 32068Listed by MOMENTUM REALTY | Jul 2026 | $325,000 | $173 | 4/2 | 1,881 | 15 | 1.1 |
| 1608 Azalea Ridge Boulevard, Middleburg, FL 32068Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $325,000 | $191 | 4/2 | 1,705 | 27 | 1.2 |
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: CHAD AND SANDY REAL ESTATE GROUP
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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Krista Fracke
Broker Associate
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