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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·9 days on market

13561 Arnold Rhoden Road

Glen St. Mary, FL 32040

$535,999$221/sqftEst. $2,946/mo mortgageMLS# 2085792
↓ $14,000 below original list
3
Beds
2
Baths
2,422
Sq Ft
2000
Built
2
Garage
No
Pool
FEMA Zone ANo HOA8.19 acresSingle Family Residence2 stories

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Glen St. Mary

MOTIVATED SELLERS — BUYER INCENTIVES AVAILABLE! Seller is willing to offer buyer incentives and/or an interest-rate buydown with an acceptable offer. Looking for your own slice of peaceful country living? You've found it! Just minutes from downtown Macclenny and conveniently located between Jacksonville and Lake City, this beautifully updated 3-bedroom, 2-bath ranch-style home offers the perfect combination of space, privacy, and accessibility. The home features a newly remodeled kitchen (2025), two newer HVAC systems (2023), renovated bathrooms (2024), new tile flooring (2024), new upstairs carpet (2024), updated recessed lighting and fixtures, and fresh interior paint. The Owens Corning designer-shingle roof was installed in 2018. Outside, there's plenty of room for your RV, ATVs, boats, and other toys, plus a 30-amp RV hookup, farm-style front-yard fencing, a stocked pond, and an outdoor bar under the carport complete with a sink and refrigerator—perfect for entertaining family and

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,946
Estimated total, before insurance$2,946/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,371/yr · $198/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$535,999
$107,200
Loan Term
Monthly Payment
$2,946
Principal & Interest: $2,946
Insurance (est.): $357
Estimated Total Monthly
$3,303
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,667 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,371/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Oct 13, 2026Price change$535,999−$10,000
  • Oct 13, 2026Active$545,999
  • Oct 7, 2026Withdrawn$545,999
  • Jul 30, 2026Price change$545,999−$4,000
  • Apr 27, 2026Listed$549,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $274/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9010 County Road 229, Sanderson, FL 32087Listed by DUAL STATE REAL ESTATE INCNov 2025$238,500$1185/32,0161831.3
11630 Silver Meadow Drive, Glen St. Mary, FL 32040Listed by THOMAS R RHODEN AGENCY, INCMay 2026$645,000$2564/32,516651.4
9293 Dolphin Street, Sanderson, FL 32087Listed by RIVER CITY RENTALS AND REALTYMar 2026$275,000$1504/21,835841.5
10021 Morning Glory Lane, Sanderson, FL 32087Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2025$940,000$3873/2.52,431631.7
9058 Butcher Road, Glen St. Mary, FL 32040Listed by WATSON REALTY CORPJun 2026$835,000$3184/2.52,6295422.1
11249 Mallie Davis Road, Glen St. Mary, FL 32040Listed by DUAL STATE REAL ESTATE INCAug 2026$465,000$2743/21,700372.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$535,999
Price / Sq Ft$221
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,422
Acres8.19 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

MiddleBaker County
HighBaker County

Community Information

Address13561 Arnold Rhoden Road, Glen St. Mary, FL 32040
Area502-Baker County-NW
SubdivisionGlen St Mary
CityGlen St. Mary
CountyBaker
StateFL
Zip Code32040
Lot Size356,756.4 sq ft
Parcel Number073S21000000000043

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesDishwasher, Electric Range, Electric Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
# of Stories2

Additional Information

Date ListedOctober 13, 2026
Days on Market380
Tax Amount$2,370.98
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REMI REALTY, LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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