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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·232 days on market

14440 C R 124

Sanderson, FL 32087

$250,000Est. $1,324/moMLS# 2127849
0
Beds
0
Baths
0
Sq Ft
Built
Garage
No
Pool
FEMA Zone XNo HOA15.84 acresUnimproved Land

About this home

Sanderson

Does your family need room to grow and room to roam. Lot 12, 15.84 acres of Cedar Hill is an ideal opportunity to purchase your dream property. It's perfect for those interested in land to take and make their own. Come and build the home of your dreams. Start your own homestead with animals,gardens and enjoy living in the country. If you've been dreaming of fresh air,open land, and a place that truly feels like like home,your country life starts here. Located just minutes from the interstate,shopping and school. No HOA.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,324
Estimated total, before insurance$1,324/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$250,000
$50,000
Loan Term
Monthly Payment
$1,324
Principal & Interest: $1,324
Insurance (est.): $167
Estimated Total Monthly
$1,491
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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

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

Solar potential: ~1,586 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

Price & status history

  • Jan 30, 2026Listed$250,000

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

Features

Price$250,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres15.84 acres
TypeLand
Sub-TypeUnimproved Land
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

MiddleBaker County
HighBaker County

Community Information

Address14440 C R 124, Sanderson, FL 32087
Area502-Baker County-NW
SubdivisionMetes & Bounds
CitySanderson
CountyBaker
StateFL
Zip Code32087
Lot Size689,990.4 sq ft
Lot DimensionsThis is Lot #12
Parcel Number262S20000000000020

Amenities

UtilitiesOther

Exterior

Lot DescriptionWooded
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJanuary 30, 2026
Days on Market120
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo

Listing Courtesy of: THOMAS R RHODEN AGENCY, INC · brandivolz@rhodenrealestate.com

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.

Text Krista about this home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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