Single Family Residence in Foxmeadow, Middleburg · No CDD on record
Foxmeadow · Middleburg, FL 32068 · Clay County
Listing data updated October 1, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,339Sq Ft
1985Year Built
$209Per Sq Ft
Private poolNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
13% below
$/sq ft vs community
$209 here vs $240 median sold (12 mo)
Buyer leverage
Strong seller market
7 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 4320 SADDLEHORN Trail in Foxmeadow, Middleburg is listed at $489,000 (2,339 sq ft, about $209 per sq ft). That sits within a few percent of Foxmeadow's median closed sale of $471,288 over the last 12 months (22 recorded sales). Per square foot it is below the community's recent $240/sq ft by about 13%. It came to market within the past week. Listing facts: built in 1985, a private pool. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1985 · 41 yrs
2,339 sq ft of living area
Listed at $489,000 — recent neighborhood median sale price ~$471,288 (nearby sales; deemed reliable, not an appraisal)
New to market
Community built 1974–2025Foxmeadow Recreational Park · 1 min driveKroger · 6 min driveVerde Vida Healthy Kitchen · 6 min drive
Listing description
About this home
Completely remolded 4/3 New Shingled Roof Hot Water Heater Trane CH&A Unit, Panel Box all New Appliances in Primary Residence and In-law/Quest Suite, New Lighting Fixtures Ceiling fans All three Bathrooms etc. & Vanity's. Kitchen Cabinetry with soft close doors.
Flooring Ceiling Fans, You'll notice the finest of upgrades throughtout HOA is voluntary at $40 per year No CDD fee on 1.79 of an acre with Water View. County Maintained Park dawn to dusk, Saddlehorn Trail is currently being resurfaced (A New Road Surface) The whole neighborhood is slated to be done. Close to Walmart St Vincents Hospital Home Depot.
The New 23 Expressway is now open from Jacksonville to St. Augustine making less travel time to get anywhere in North Florida.
All 42 photos
Description provided by WATSON REALTY CORP and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$489,000
Bed / bath4 / 3
Living area2,339 sq ft
Year built1985
Property typeSingle Family Residence
PoolYes
MLS #2166168
Listing statusNew — 7 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyClay
Area listings4 active · 0 under contract
Estimated first-year tax~$4,792/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$209
Estimated monthly payment$3,275
Insurance (illustrative)$2k–$4k/yr
Messtimate range$311,087 – $463,122
Comparable-sales median$471,288
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,275/mo
Principal & interest $2,611/mo80%
Taxes $399/mo12%
Insurance $265/mo8%
$3,275/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,792/yr
Estimate: a typical Clay effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Foxmeadow
Pricing & the Foxmeadow market
How this home is priced against recent nearby sales, and where Foxmeadow has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Foxmeadow
Each dot is a closed sale since 2001 (485 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $209/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 19 (cold).
Property timeline
This home’s history
1985BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 7 cumulative days on market as of October 1, 2026
Sep 24, 2026First seen on movewithmomentum.comObserved at $489,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $489,000Momentum Realty · on market 7 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Foxmeadow in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$310,000
4320 SADDLEHORN Trail, Middleburg
4 / 3 bd/ba · 2,339 sq ft · $133/sq ft
Courtesy of EXIT INSPIRED REAL ESTATE · View details →
Sold Aug 2026
$440,000
4660 SADDLEHORN Trail, Middleburg
4 / 2 bd/ba · 2,268 sq ft · $194/sq ft
Courtesy of UNITED REAL ESTATE GALLERY · View details →
Sold Sep 2026
$435,000
1229 CACTUS CUT Road, Middleburg
4 / 2 bd/ba · 2,194 sq ft · $198/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Mar 2026
$579,000
1309 FOXMEADOW Trail, Middleburg
4 / 3 bd/ba · 2,149 sq ft · $269/sq ft
Courtesy of SAVVY AVENUE, LLC. · View details →
Sold Jul 2026
$460,000
4141 SIDEWINDER Trail, Middleburg
4 / 3 bd/ba · 2,610 sq ft · $176/sq ft
Courtesy of OPENDOOR BROKERAGE, LLC. · View details →
Sold Sep 2026
$250,000
1170 CACTUS CUT Road, Middleburg
3 / 2 bd/ba · 1,985 sq ft · $126/sq ft
Courtesy of WATSON REALTY CORP · View details →
Median of these 6 sales: $471,288 ($240/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$311,087the mess$463,122
Stronger local evidence — 6 comparable closed sales in Foxmeadow, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $489,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 49% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1985 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 7 days on market vs. a 48-day community median
4 active listings competing
≈2.4 months of supply
20 closed here in the last 12 months
For reference, this home is listed at $489,000 ($209/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,339 sq ft × $133–$198/sq ft (interquartile band of 6 comparable closed sales in Foxmeadow, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Price vs area (82), Market timing (81)
0 limited50100 exceptional
70/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area82
This home $209/sq ft vs the community 12-month median $240/sq ft.
Affordability44
List price $489,000 vs the community median $471,288. Not a measure of personal affordability.
Market liquidity66
Community median 48 days on market, ~2.4 months of supply (12-month record).
Pricing power79
Recent sales closed at about 92.3% of original asking (~7.7% below). More room below asking generally favors buyers.
Market timing81
Momentum Market Heat is 19/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 2.4 months of supply in the surrounding market and 7 days on market for this home, against a 48-day area median.Days on market:this home 7Area median: 48 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 30, 2026.
🟡 Asking $209 per square foot, about 13% below the community’s $240 median. Foxmeadow’s 12-month median sold price per square foot is $240. Median sold price per square foot is down 11.1% year over year. Confidence: High · 22 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
81% of homes in Foxmeadow are owner-occupied. An estimated 19% are non-owner-occupied, including 1% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 215 homes matched. Community-level context.
Recent Foxmeadow sales closed near 92.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 30, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Foxmeadow, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by WATSON REALTY CORP · MLS # 2166168
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Keep looking
Similar homes for sale near Foxmeadow
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 7 miles north of Foxmeadow.
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 8 miles southeast of Foxmeadow, elsewhere in Clay County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 11 miles southeast of Foxmeadow.
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
Why it matters: A build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 7 miles north of Foxmeadow.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
TynesAssigned elementary school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
WilkinsonAssigned middle school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
RidgeviewAssigned high school · Clay County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Kroger 6 min
Dining
Verde Vida Healthy Kitchen 6 min
Shopping
Middleburg Village Center 9 min
Parks
Foxmeadow Recreational Park 1 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 4320 SADDLEHORN Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1985 (41 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,339 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,792/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 2026)
Comparable sales
realMLS closed sales in Foxmeadow, last 18 months, as of September 30, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 4320 SADDLEHORN Trail and when was it built?
Per the listing record, 4320 SADDLEHORN Trail was built in 1985 and has 2,339 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4320 SADDLEHORN Trail in?
4320 SADDLEHORN Trail is in Foxmeadow in Middleburg, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Why might property taxes on 4320 SADDLEHORN Trail differ from the current owner's?
The estimate on this page (about $4,792 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4320 SADDLEHORN Trail in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 4320 SADDLEHORN Trail in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
