Sold·Closed Aug 31, 2026·103 days on market
14992 Water Oak Lane
Sanderson, FL 32087
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
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.
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 homeAs 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.
Closest park or preserve
Cecil Field Conservation Corridorabout 26 mi · 24.6 mi of trails
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): $1,745/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.
History
Price & status history
- Aug 31, 2026Closed$389,500
- 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.
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 $203/sq ft; this home is listed at $275/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 22528 Doyle Williams Road, Sanderson, FL 32087Listed by DUAL STATE REAL ESTATE INC | Jun 2026 | $290,000 | $203 | 3/2 | 1,428 | 96 | 0.2 |
| 14625 Wesley Griffis Lane, Sanderson, FL 32087Listed by SMILEEHOUSE AUCTION CO LLC | Oct 2025 | $95,000 | $57 | 3/2 | 1,680 | 45 | 0.4 |
| 12260 Oc Horne Road, Sanderson, FL 32087Listed by FRONT PORCH REALTY | Oct 2025 | $900,000 | $509 | 4/2 | 1,768 | 213 | 2.2 |
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: SOUTHEAST REALTY GROUP
Sold by: ROOT REALTY 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 31, 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
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