Longbay

4145 APPALOOSA Rd

Middleburg, FL 32068
For Sale $590,000
4 bd · 3 ba · 2,071 sqft · Built 1982
Bryce Spraggins — The HOA Collective
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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 (smurray@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

Escape to the peace and privacy of country living with this beautifully maintained all-brick 4-bedroom, 2.5-bath home situated on 3.06 high-and-dry acres that are fully fenced. Designed for both everyday living & entertaining, this home features a spacious great room, separate dining area, & bright kitchen that opens to a cozy breakfast nook. All bathrooms have been tastefully updated. The 540 SF detached building includes two separate rooms w/ a closet & air conditioning, creating the perfect space for a home office, craft room, gym, or future in-law suite w? the addition of a bathroom. A separate carport/garage w/ electricity provides even more flexibility for hobbies, storage, or projects. Bring your horses, chickens, RV, & boat! This property offers the freedom you've been looking for! Enjoy relaxing outdoors on the screened patio. Major updates include a new roof 2018, HVAC 2024 & water heater in 2025. Several pictures have been AI enhanced.

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 · $20,650
$5,053/mo
Principal & interest$3,723
Property tax (est.)$627
Insurance (est.)$443
FHA MIP$261
HOA dues$0
CDD assessment$0
Cash to close: ~$20,650 down · MIP financed
VA
$0 down
$4,942/mo
Principal & interest$3,873
Property tax (est.)$627
Insurance (est.)$443
VA fee (financed)$0
HOA dues$0
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $118,000
$4,102/mo
Principal & interest$3,033
Property tax (est.)$627
Insurance (est.)$443
PMI$0
HOA dues$0
CDD assessment$0
Cash to close: ~$118,000 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.67% effective millage. 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 built1982
Heated area2,071 sq ft
Lot size133,293 sq ft
SubdivisionLONGBAY
Parcel (RE#)35-04-24-005890-000-00
Legal descriptionLOT 20 BLK E LONG BAY AS REC O

Valuation · 2025

Value

Just / Market
$600,000
Assessed
$156,558
Taxable
$100,836
2025 Property Tax
$1,679
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.

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

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 Longbay? 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 Longbay 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

Don't want to list? Get a cash offer from My Fair Market Offer.

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On the Market

Homes for Sale in Longbay

Other active MLS listings in Longbay.

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 4145 APPALOOSA Rd?
The zoned public schools for 4145 APPALOOSA Rd in Longbay are Middleburg Elementary School (elementary), Wilkinson Junior High School (middle), Middleburg High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 4145 APPALOOSA Rd?
The most recent annual property tax for 4145 APPALOOSA Rd is about $1,679 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
How big is 4145 APPALOOSA Rd?
4145 APPALOOSA Rd is a 2,071 sq ft home built in 1982 in Longbay, Clay County, FL.
What would the monthly payment be on 4145 APPALOOSA Rd?
At about a 6.66% 30-year rate, the estimated monthly payment for 4145 APPALOOSA Rd is roughly $4,102 with a conventional loan (20% down), $5,053 with FHA (3.5% down), or $4,942 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Longbay 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.