4320 SADDLEHORN Trail, Middleburg, FL, 32068
About This Home
Cash, Hard money or Conventional loan(maybe) only. Ready for your next flip project! Bring your tool bag and unlock the potential of this charming pool home on a spacious lot in Foxmeadow, a sought-after equestrian community. Features include a separate mother-in-law suite with its own bedroom, bathroom, and kitchenette, a cozy living room with a wood-burning fireplace overlooking the pool, a versatile loft perfect for an office, library, or game room, and a primary suite with private access to the pool and hot tub. The home is on well and septic with a voluntary HOA. Major components include roof (2003), AC (2007), and water heater (2006). If you're looking for your next project in a desirable neighborhood with plenty of potential, this one is worth a look.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Fixer,To Be Built
- Year built: 1985
Materials
- Roof: Shingle
Type & Style
- Home type: SingleFamily
- Architectural style: Multi Generational,Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None
- Laundry features: Electric Dryer Hookup,In Unit,Washer Hookup
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Guest Suite,In-Law Floorplan,Open Floorplan,Master Downstairs,Vaulted Ceiling(s)
- Number of fireplaces: 1
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total interior livable area: 2,339 sqft
Property
Details
- Parcel number: 23042400560620300
- Attached to another structure: Yes
Features
- Levels: One and One Half
- Stories: 2
- Pool features: In Ground
- Patio & porch: Porch,Screened
- Has view: Yes
- View description: Pool,Trees/Woods
Lot
- Lot size: 1.79 Acres
- Features: Agricultural,Few Trees
Parking
- Parking features: Additional Parking
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Inland Flooding
- Tornado
- Hurricane
- Heat Wave
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Clay County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,643 | $19,716 |
| Home Insurance * | $221 | $2,652 |
| Property Taxes | $390 | $4,680 |
| Electricity | $235 | $2,824 |
| Total | $2,489 | $29,868 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Contingent | $324,990 |
| 2026-08-02 | Price change | $324,990 |
| 2026-07-31 | Price change | $349,900 |
| 2026-07-22 | Listed for sale | $350,000 |
| 2026-07-15 | Sold | $265,100 |
| 2026-01-01 | Listing removed | $399,999 |
| 2025-12-03 | Price change | $399,999 |
| 2025-10-10 | Price change | $425,000 |
| 2025-09-22 | Price change | $445,000 |
| 2025-09-02 | Listed for sale | $469,900 |
| 2025-05-17 | Listing removed | $399,999 |
| 2025-03-17 | Price change | $399,999 |
| 2025-02-04 | Price change | $435,000 |
| 2025-01-27 | Price change | $445,000 |
| 2025-01-14 | Price change | $450,000 |
| 2024-12-28 | Listed for sale | $459,999 |
| 2024-12-03 | Pending sale | $459,999 |
| 2024-10-21 | Price change | $459,999 |
| 2024-10-16 | Listed for sale | $475,000 |
| 2024-09-26 | Listing removed | $485,000 |
| 2024-07-31 | Listed for sale | $485,000 |
| 2024-06-18 | Listing removed | -- |
| 2024-06-15 | Listed for sale | $400,000 |
| 2024-06-13 | Pending sale | $400,000 |
| 2024-06-05 | Listed for sale | $400,000 |
| 2024-05-25 | Pending sale | $400,000 |
| 2017-01-20 | Sold | $258,000 |
View on Zillow