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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·20 days on market

3704 NE Rocky Ford Road

Madison, FL 32340

$439,900$127/sqftEst. $2,398/mo mortgageMLS# 2136789
↓ $10,000 below original list
5
Beds
3
Baths
3,452
Sq Ft
2010
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA1.02 acresSingle Family Residence2 stories

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Want to walk through this home this week?

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

Madison

Sitting upon a full acre this west facing 15-year young 5 BR, 3BA home, features timeless architecture with the white fluted columns at the entry. The welcoming 2 story foyer with centered staircase leads up to 4 spacious bedrooms and a full bathroom, all with hardwood flooring. The owner's suite is conveniently located on the first level and placed on the south side of the home. The main level features a dining room, large eat in kitchen, living room, and a bonus room providing plenty of space for gathering. The Seller is motivated and looking for quick closing property is now vacant and has been emptied. Easy to See with your Realtor.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,398
Estimated total, before insurance$2,398/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

$439,900
$87,980
Loan Term
Monthly Payment
$2,398
Principal & Interest: $2,398
Insurance (est.): $293
Estimated Total Monthly
$2,692
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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: Shingle — year not disclosed (home built 2010)

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

Septic system (public record) · 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: ~1,712 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:46 AM, sunset 6:48 PM.

  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 9, 2026Active$439,900
  • Oct 4, 2026Withdrawn$439,900
  • Aug 20, 2026Price change$439,900−$5,100
  • Jul 25, 2026Price change$445,000−$4,900
  • Mar 26, 2026Listed$449,900

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

Features

Price$439,900
Price / Sq Ft$127
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,452
Total Structure Area4,032 sq ft
Acres1.02 acres
Year Built2010
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
StatusActive
Has PoolYes
Pool FeaturesIn Ground, Fenced
Is WaterfrontNo
Direction FacesWest

Community Information

Address3704 NE Rocky Ford Road, Madison, FL 32340
Area901-Madison County-North Of I-10
Subdivision**verifying Subd**
CityMadison
CountyMadison
StateFL
Zip Code32340
Lot Size44,431.2 sq ft
Parcel Number021N093438001001
ZoningSingle Family

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Downstairs
AppliancesOther
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Exterior FeaturesOther
Lot DescriptionEasement Access, Few Trees
RoofShingle
ConstructionFrame, Vinyl Siding
Road SurfacePaved

Additional Information

Date ListedOctober 9, 2026
Days on Market20
Listing TermsCash, Conventional, Owner May Carry, Private Financing Available
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM 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.

Keep looking

More homes in **verifying Subd**

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

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