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Single Family ResidenceResidential
$820,186$223 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $821,500 on Aug 24, 2026

4732 SADDLEHORN TRL

MIDDLEBURG, FL 32068
4
Beds
3
Baths
3,686 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.12 ac
Lot SizeThe size of the land the home sits on, from county records.
2001
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$820K
$797K low$843K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$821,500 · Aug 24, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,966 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$496,851 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$482,849
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$697,901

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.51
37
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.1.12
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 748 ft²Boat access

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(3)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Tynes Elementary SchoolB+
Elementary · Grades KG–6 · 2.0 mi
H
Ridgeview High SchoolB
High · Grades 9–12 · 4.8 mi
M
Wilkinson Junior High SchoolB+
Middle · Grades 7–8 · 5.6 mi

District: Clay County School District

Neighborhood · ZIP 32068These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.59,564
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.515 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,506
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,038
Average tempThe average temperature here across a full year.69°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4732 Saddlehorn Trl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Middleburg 32068
  • Costs more per square foot than 90% of homes in Middleburg 32068
  • Among the largest homes in Middleburg 32068
  • Has a bigger lot than 83% of homes in Clay County

What homes are worth in Middleburg 32068

Each bar is how many homes fall in that price range. The marker is this home.

This home
$194K$641K

This home is worth more than almost all homes in Middleburg 32068.

How it measures up in Middleburg 32068

The dot is this home. The mark in the middle is the typical home in Middleburg 32068.

Estimated value$820,186
CheaperTypical $327,106Pricier

Pricier than almost all homes nearby

Price per ft²$223
CheaperTypical $184Pricier

Pricier than 90% of homes nearby

Living area3,686 ft²
SmallerTypical 1,720 ft²Bigger

Bigger than almost all homes nearby

Lot size1.12 ac
SmallerTypical 0.49 acBigger

Bigger than 68% of homes nearby

Year built2001
OlderTypical 1999Newer

Newer than 56% of homes nearby

How 4732 Saddlehorn Trl ranks against every home in each area.
MeasureThis homeMiddleburg 32068Clay County
Estimated valuepricier than$820,186almost all homesalmost all homes
Price per ft²pricier than$22390% of homes89% of homes
Living areabigger than3,686 ft²almost all homes98% of homes
Lot sizebigger than1.12 ac68% of homes83% of homes
Year builtnewer than200156% of homes58% of homes

About 4732 Saddlehorn Trl

How much is 4732 Saddlehorn Trl, Middleburg, FL worth?

The TopHap Estimate for 4732 Saddlehorn Trl, Middleburg, FL is $820,186 as of Oct 21, 2026. The likely range is $797,240 to $843,132. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4732 Saddlehorn Trl, Middleburg, FL last sell?

4732 Saddlehorn Trl, Middleburg, FL last sold on Aug 24, 2026 for $821,500, according to the county's recorded deed. TopHap holds 7 recorded sales for this parcel.

How big is 4732 Saddlehorn Trl, Middleburg, FL?

4732 Saddlehorn Trl, Middleburg, FL has 4 bedrooms, 3 bathrooms, 3,686 square feet of living space and a 1.12-acre lot.

When was 4732 Saddlehorn Trl, Middleburg, FL built?

4732 Saddlehorn Trl, Middleburg, FL was built in 2001, making it 25 years old. The building has 2 stories.

What schools serve 4732 Saddlehorn Trl, Middleburg, FL?

4732 Saddlehorn Trl, Middleburg, FL is assigned to Tynes Elementary School (elementary), rated B+; Ridgeview High School (high), rated B; Wilkinson Junior High School (middle), rated B+. All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4732 Saddlehorn Trl, Middleburg, FL compare to other homes in Middleburg 32068?

Among the 22,395 homes in Middleburg 32068, it is worth more than almost all of them ($820,186 against a typical $327,106), its price per square foot is higher than 90% of them ($223 against a typical $184), it is bigger than almost all of them (3,686 ft² against a typical 1,720 ft²), its lot is bigger than 68% of them (1.12 ac against a typical 0.49 ac) and it is newer than 56% of them (2001 against a typical 1999). Measured against all of Clay County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4732 Saddlehorn Trl, Middleburg, FL?

The 2025 property tax bill for 4732 Saddlehorn Trl, Middleburg, FL was $6,966. The county assessed it at $496,851.

More homes on Saddlehorn Trl

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