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Sold·Closed Feb 26, 2026·7 days on market
32238 Settlers Ridge Drive
Bryceville, FL 32009
About this home
Bryceville
Welcome to 32238 Settlers Ridge Dr, a home that exudes comfort and style. The living room is graced with a cozy fireplace, perfect for those chilly evenings. The kitchen is a chef's dream, an accent backsplash that adds a touch of elegance. The primary bedroom is a sanctuary with a spacious walk-in closet. The primary bathroom is a spa-like retreat featuring double sinks and a separate tub and shower for ultimate relaxation. Outside, a covered patio provides a great space for outdoor relaxation. This home is a perfect blend of style and functionality. Don't miss out on this gem! Included 100-Day Home Warranty with buyer activation
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 (that applies to the reference bill above too).
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 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,647 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cary State Forestabout 3 mi · 17.7 mi of trails
Closest public boat ramp
Dinsmore Boat Landingabout 7 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
Lake Bethesda Park – Adaptive Kayak Launchabout 10 mi · Bethesda Pond
Closest grocery store
Winn-Dixieabout 10 mi · 5250 Moncrief Road W, Jacksonville
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): $2,234/yr
Estimated taxes if purchased at asking price: ~$7,200/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. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
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 $259/sq ft; this home is listed at $208/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 9546 Ford Road, Bryceville, FL 32009Listed by ATRIUM REALTY, LLC | Jun 2026 | $440,000 | $226 | 4/2 | 1,950 | 46 | 0.4 |
| 9515 Ford Road Road, Bryceville, FL 32009Listed by SUMMER HOUSE REALTY | Apr 2026 | $430,000 | $263 | 3/2 | 1,637 | 14 | 0.4 |
| 9559 Ford Road, Bryceville, FL 32009Listed by UNITED REAL ESTATE GALLERY | Sep 2025 | $387,000 | $162 | 4/3 | 2,385 | 42 | 0.4 |
| 10293 Ford Road, Bryceville, FL 32009Listed by XCELLENCE | Jul 2026 | $540,000 | $237 | 4/2 | 2,281 | 36 | 0.5 |
| 10495 Ford Road, Bryceville, FL 32009Listed by UNITED REAL ESTATE GALLERY | Apr 2026 | $565,000 | $259 | 4/2 | 2,182 | 1 | 0.6 |
| 11596 Thornhill Place, Bryceville, FL 32009Listed by FLORIDA HOMES REALTY & MTG LLC | Nov 2025 | $685,000 | $340 | 3/2.5 | 2,014 | 50 | 0.6 |
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: OPENDOOR BROKERAGE, LLC.
Sold by: FLORIDA HOMES REALTY & MTG LLC (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.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Feb 26, 2026. 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines