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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·302 days on market

13870 US Highway 90

Sanderson, FL 32087

$370,000$348/sqftEst. $2,033/mo mortgageMLS# 2122551
0
Beds
0
Baths
1,064
Sq Ft
1994
Built
—
Garage
No
Pool
FEMA Zone XNo HOA6.16 acresIndustrial

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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

Sanderson

Excellent opportunity to purchase 6.16± acres of industrial-zoned land in Sanderson, FL, just 1 mile from I-10. Property is mostly cleared, high & dry, offering road frontage with electric power, existing well, and sewage on site, reducing development costs. Flat and usable acreage is suitable for a wide range of industrial uses, including but not limited to warehouse, distribution, contractor yard, trucking operations, or manufacturing. Strong access to regional transportation routes while offering a more affordable alternative to Jacksonville-area industrial sites. Baker County industrial zoning allows for industrial and commercial uses, including those allowed uses in CN, CG, CH, LI & I. Baker County offers multi-year local tax incentives for qualifying businesses that create local jobs, providing additional long-term cost savings for owner-users and employers.

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$2,033
Estimated total, before insurance$2,033/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,680/yr · $140/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

$370,000
$74,000
Loan Term
Monthly Payment
$2,033
Principal & Interest: $2,033
Insurance (est.): $247
Estimated Total Monthly
$2,280
*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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 1994)

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: ~904 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

2025 property taxes (current owner): $1,680/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

  • Dec 25, 2025Listed$370,000

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

Features

Price$370,000
Price / Sq Ft$348
Bedrooms0
Bathrooms0.00
Full Baths0
Square Footage1,064
Acres6.16 acres
Year Built1994
TypeCommercial Sale
Sub-TypeIndustrial
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address13870 US Highway 90, Sanderson, FL 32087
Area502-Baker County-NW
CitySanderson
CountyBaker
StateFL
Zip Code32087
Lot Size268,329.6 sq ft
Parcel Number123S20000000000200
ZoningIndustrial

Amenities

UtilitiesElectricity Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Exterior

Lot DescriptionFew Trees
Road FrontageHighway

Additional Information

Date ListedDecember 25, 2025
Days on Market164
Tax Amount$1,679.62
Tax Year2025
Listing TermsCash, Conventional, Other

Listing Courtesy of: COLDWELL BANKER ANABASIS REALTY

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

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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