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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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Sold

Sold·Closed Sep 30, 2025·49 days on market

504 Joan Street

Macclenny, FL 32063

$285,900sold priceListed at $285,900 · 100% of asking$229/sqftMLS# 2098970
3
Beds
2
Baths
1,248
Sq Ft
1999
Built
2
Garage
No
Pool
No HOA1.00 acresSingle Family Residence1 story

About this home

Macclenny

Motivated seller offering up to $5,000 in concessions! This 3-bedroom, 2-bath home sits on a full 1-acre corner lot—giving you space, privacy, and the freedom to create the lifestyle you've been dreaming of. Renovated in 2024 with a new roof, HVAC, water heater, granite counters, stainless steel appliances, and luxury plank flooring, it's truly move-in ready. The open floor plan makes gatherings easy, and the fenced backyard is perfect for play, pets, or even a future pool. Just minutes from shopping, dining, and commuter routes—this home brings modern comfort and country space together.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,584
Estimated total, before insurance$1,584/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,213/yr · $351/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

$285,900
$57,180
Loan Term
Monthly Payment
$1,584
Principal & Interest: $1,584
Insurance (est.): $191
Estimated Total Monthly
$1,774
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1999)

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

Solar potential: ~1,740 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

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,213/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

  • Jul 16, 2025Listed$285,900

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 $170/sq ft; this home is listed at $229/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
407 Sycamore Drive, Macclenny, FL 32063Listed by SMILEEHOUSE AUCTION CO LLCJun 2025$167,500$1433/21,173180.2
518 Lissie Court, Macclenny, FL 32063Listed by MOMENTUM REALTYOct 2025$265,000$1753/21,5181280.3
330 S 4th Street, Macclenny, FL 32063Listed by SMILEEHOUSE AUCTION CO LLCApr 2026$229,000$1703/21,344220.5
639 W Ohio Avenue, Macclenny, FL 32063Listed by FORWARD REAL ESTATE INVESTMENT GROUP LLCAug 2026$77,000$693/11,112850.7
717 Bogie Drive, Macclenny, FL 32063Listed by DUAL STATE REAL ESTATE INCJun 2026$185,000$1144/21,620690.8
5621 Willow Road, Macclenny, FL 32063Listed by WATSON REALTY CORPApr 2026$200,000$1743/21,152270.8

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$285,900
Price / Sq Ft$229
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,248
Total Structure Area1,424 sq ft
Acres1.00 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMacclenny
MiddleBaker County
HighBaker County

Community Information

Address504 Joan Street, Macclenny, FL 32063
Area501-Macclenny Area
SubdivisionMacclenny
CityMacclenny
CountyBaker
StateFL
Zip Code32063
Lot Size43,560 sq ft
Parcel Number322S22000800040010
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesElectric Cooktop, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Exterior

Lot DescriptionCorner Lot
FencingFenced, Back Yard, Privacy
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 16, 2025
Days on Market49
Tax Amount$4,212.96
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

Sold by: MARK SPAIN REAL ESTATE (buyer's brokerage)

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

This home sold on Sep 30, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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