Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·15 days on market

13561 Arnold Rhoden Road

Glen St. Mary, FL 32040

$545,999$225/sqftEst. $2,807/moMLS# 2085792

Beds

Baths

2,422

Sq Ft

2000

Built

Garage

Pool

About this home

Glen St. Mary

''PRICED TO SELL''. Sellers are willing to offer buyer incentives or rate buydown, with approved offer by the sellers. Are you looking for a slice of the quiet country life? You found it. Just minutes away from downtown Macclenny, this beautiful 3/2 ranch style home has it all. Recently upgraded and freshly painted. Perfect for entertaining friends and family Plenty of room for all your toys. ATV trails are right around the corner. You have to see it to believe it! NEWLY REMODLED KITCHEN 2025 2023 2 - new AC units inside and out 2024 Renovated both bathrooms 2024 new tile floors 2024 new carpet upstairs 2022 new farm style fence around front yard 2018 new roof - Owens Corning designer shingles 2018 - built outdoor bar under carport with sink and outdoor refrigerator 2022 New pond and fully stocked with Fish 2024 installed 30 amp RV hook up 2024 Installed new can lighting and light fixtures and kitchen along with new paint.

Cost to own

Mortgage calculator

Home Price

$545,999

Down Payment: 20%

$109,200

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,807

Principal & Interest: $2,807

Insurance (est.): $364

Estimated Total Monthly

$3,171

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,807

Estimated total, before insurance$2,807/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).

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.

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 — year not disclosed (home built 2000)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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.

History