Foxmeadow

4320 Saddlehorn Trl

Middleburg, FL 32068
For Sale $478,900
Price cut $489,000 ↓ $10,100 (2.1%) Oct 8
4 bd · 3 ba · 2,451 sqft · Built 1985
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of WATSON REALTY CORP (deborahhatcher@watsonrealtycorp.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $16,762
$4,313/mo
Principal & interest$3,230
Property tax (est.)$470
Insurance (est.)$359
FHA MIP$212
HOA dues$42
CDD assessment$0
Cash to close: ~$16,762 down · MIP financed
VA
$0 down
$4,232/mo
Principal & interest$3,360
Property tax (est.)$470
Insurance (est.)$359
VA fee (financed)$0
HOA dues$42
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $95,780
$3,503/mo
Principal & interest$2,632
Property tax (est.)$470
Insurance (est.)$359
PMI$0
HOA dues$42
CDD assessment$0
Cash to close: ~$95,780 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.58% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built1985
Heated area2,339 sq ft
Lot size77,928 sq ft
SubdivisionFOXMEADOW U
Parcel (RE#)23-04-24-005606-203-00
Legal descriptionLOT 13 FOXMEADOW UNIT 3 AS REC

Valuation · 2025

Value

Just / Market
$475,000
Assessed
$263,794
Taxable
$213,072
2025 Property Tax
$3,369
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$500 / Annually
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
High (zoned)

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Foxmeadow? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Foxmeadow every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Foxmeadow

Other active MLS listings in Foxmeadow.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 4320 Saddlehorn Trl?
The zoned public schools for 4320 Saddlehorn Trl in Foxmeadow are Tynes Elementary School (elementary), Oakleaf Junior High (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 4320 Saddlehorn Trl?
The most recent annual property tax for 4320 Saddlehorn Trl is about $3,369 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 4320 Saddlehorn Trl?
Homes in Foxmeadow have an HOA fee of about $500 per year (based on recent MLS listings).
How big is 4320 Saddlehorn Trl?
4320 Saddlehorn Trl is a 2,339 sq ft home built in 1985 in Foxmeadow, Clay County, FL.
What would the monthly payment be on 4320 Saddlehorn Trl?
At about a 7.32% 30-year rate, the estimated monthly payment for 4320 Saddlehorn Trl is roughly $3,503 with a conventional loan (20% down), $4,313 with FHA (3.5% down), or $4,232 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Foxmeadow HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.