Active·Listed today
4171 Mail Coach Court
Middleburg, FL 32068
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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
COUNTRY LIVING ON 1 ACRE IN MIDDLEBURG! EQUESTRIAN COMMUNITY! NO HOA & NO CDD! Enjoy the charm of country living in this 4BR/2BA home on a beautiful elevated lot with a wooded backdrop! A gorgeous oak tree out front provides a canopy of shade. The open floorplan features spacious living & dining areas, a kitchen with solid surface countertops & separate breakfast nook. Owner's suite offers tray ceilings, walk-in closet & private bath. Three additional bedrooms provide flexibility for guests or a home office. A 2-car garage and plenty of outdoor space for gardening, recreation or relaxing in the peaceful surroundings. Bring your vision & finishing touches to make this home your own! A wonderful opportunity for buyers seeking acreage, privacy & a peaceful country lifestyle in Middleburg, Clay County!
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.
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 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,634 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 6 mi · 4.6 mi of trails
Closest public boat ramp
Middleburg (Main Street) Public Boat Rampabout 5 mi · North Fork Black Creek
Closest kayak & paddleboard launch
Jennings State Forest – Knights Landing Paddling Accessabout 3 mi · Black Creek North Fork
Closest grocery store
Walmart Supercenterabout 4 mi · 10000 Omni Dr, Jacksonville
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,520/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, NEFMLS.
History
Price & status history
- Oct 23, 2026Listed$452,000
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 $181/sq ft; this home is listed at $229/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4660 Saddlehorn Trail, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $440,000 | $194 | 4/2 | 2,268 | 178 | 0.2 |
| 4320 Saddlehorn Trail, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $310,000 | $133 | 4/3 | 2,339 | 15 | 0.6 |
| 1131 Cactus Cut Road, Middleburg, FL 32068Listed by PALM III REALTY AND PROPERTY M | Oct 2026 | $410,000 | $248 | 3/2 | 1,652 | 43 | 1 |
| 4588 Golf Brook Road, Orange Park, FL 32065Listed by EXP REALTY LLC | Oct 2026 | $375,300 | $151 | 4/3 | 2,492 | 93 | 1 |
| 3971 White Pelican Way, Middleburg, FL 32068Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $330,000 | $181 | 4/2 | 1,822 | 94 | 1 |
| 953 McLaughlin Lane, Middleburg, FL 32068Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $280,000 | $173 | 3/2 | 1,620 | 25 | 1 |
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: FLORIDA HOMES REALTY & MTG LLC
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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