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Active Under Contract

Active Under Contract·142 days on market

14992 Water Oak Lane

Sanderson, FL 32087

$389,500$275/sqftEst. $2,009/moMLS# 2135698

Beds

Baths

1,414

Sq Ft

1992

Built

Garage

Pool

About this home

Sanderson

Tucked at the end of a quiet dead-end street, this beautifully remodeled 2 bed, 2 bath home offers over 150' of frontage on the Little St. Marys River. Inside features wood laminate and tile flooring throughout, vaulted ceilings, abundant natural light, and a charming upstairs loft. The spacious kitchen includes a large food prep island, perfect for entertaining, while the primary suite boasts a luxurious bath. Enjoy outdoor living with covered front and back porches, a firepit, and a unique cowboy hot tub. The property also includes a 2-stall barn, greenhouse, and a detached 30x40 insulated garage with a newly installed car lift and custom shelving. With a metal roof and Hardie lap siding, this private riverfront retreat offers comfort, character, and space to live, work, and play. ***kitchen appliances, washer, dryer, cowboy hot tub, firepit, greenhouse, car lift all convey with sale***

Cost to own

Mortgage calculator

Home Price

$389,500

Down Payment: 20%

$77,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,009

Principal & Interest: $2,009

Insurance (est.): $260

Estimated Total Monthly

$2,268

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.69% · 30yr$2,009

Estimated total, before insurance$2,009/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,745/yr · $145/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,745/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1992)

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: ~1,105 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.

History

Price & status history

Jul 22, 2026Active Under Contract$389,500
Mar 19, 2026Listed$389,500

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

Features

Price$389,500

Price / Sq Ft$275

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,414

Acres3.13 acres

Year Built1992

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

# of Carport Spaces3

Has PoolNo

Is WaterfrontYes

School Information

MiddleBaker County

HighBaker County

Community Information

Address14992 Water Oak Lane, Sanderson, FL 32087

Area502-Baker County-NW

SubdivisionSanderson

CitySanderson

CountyBaker

StateFL

Zip Code32087

Lot Size136,342.8 sq ft

Parcel Number031S20000000000330

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingCarport, Detached, Garage

ViewTrees/Woods

Waterfront TypeRiver Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, In-Law Floorplan, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne and One Half

LaundryElectric Dryer Hookup, Washer Hookup