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Sold·Closed Nov 17, 2025·74 days on market
20543 Frank Combs Circle
Sanderson, FL 32087
About this home
Sanderson
MOTIVATED SELLER!! This beautifully updated 3 bedroom, 2 bathroom home offers the perfect blend of country charm and modern comfort. Sitting on a private and expansive 2.71 acre lot. Spacious 1782 sq ft layout and a desirable split floorplan, this home features large bedrooms, walk-in closets, and plenty of storage throughout. The kitchen is ideal for both everyday living and entertaining, complete with a breakfast bar and abundant cabinetry with a separate formal dining room. Relax by the inviting stone fireplace with large mantel. Step outside to the large back porch, perfect for having guests over. Additional highlights include newer roof, newer HVAC system, screened front porch, carport, RV hookups, and beautifully landscaped grounds. Whether you're looking for privacy, space, or a place to enjoy country living, this great home checks all the boxes. Don't miss your chance to own this great property. It's better in Baker!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,708 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 homeThis 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
Price & status history
- Aug 6, 2025Listed$219,000
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 $226/sq ft; this home is listed at $123/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10543 Oak Hill Road, Glen St. Mary, FL 32040Listed by MCCABE REALTY INC | Jul 2026 | $282,500 | $187 | 3/2 | 1,512 | 58 | 1.9 |
| 18831 County Road 127, Glen St. Mary, FL 32040Listed by REAL ESTATE WITH GARLON WEBB | Oct 2026 | $390,000 | $226 | 3/2 | 1,722 | 0 | 2.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP 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
This home sold on Nov 17, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines