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Active

Active·63 days on market

8219 Mud Lake Road

Macclenny, FL 32063

$789,900$229/sqftEst. $4,027/moMLS# 2140489

Beds

Baths

3,456

Sq Ft

1999

Built

Garage

Pool

About this home

Macclenny

WELCOME HOME to your slice of Southern charm in the heart of Baker County. If you've been dreaming of a modern farmhouse with land in Macclenny, FL, this inviting property delivers the perfect blend of comfort, character, and wide-open space. Nestled on 5.64 high-and-dry acres, this move-in ready farmhouse offers the kind of peaceful country living that's becoming harder to find in Northeast Florida. Zoned Agricultural and thoughtfully set up for a variety of uses, the cross-fenced property features three separate pastures--ideal for horses, livestock, or simply enjoying the beauty of your own private acreage. With no flood zone and no wetlands, every inch of this land is usable and ready for your vision. From the moment you arrive, you'll feel right at home. A manicured front yard and classic wraparound porch create that timeless Southern welcome--perfect for rocking chairs, sweet tea, and slow evenings under the sunset. Step inside to a grand entryway filled with warmth and natural

Cost to own

Mortgage calculator

Home Price

$789,900

Down Payment: 20%

$157,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,027

Principal & Interest: $4,027

Insurance (est.): $527

Estimated Total Monthly

$4,554

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$4,027

Estimated total, before insurance$4,027/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.

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 1999)

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: ~1,755 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

Jul 22, 2026Price change$789,900−$10,000
Jun 3, 2026Listed$799,900

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

Features

Price$789,900

Price / Sq Ft$229

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,456

Total Structure Area3,716 sq ft

Acres5.37 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

MiddleBaker County

HighBaker County

Community Information

Address8219 Mud Lake Road, Macclenny, FL 32063

Area503-Baker County-South

SubdivisionSmokerise

CityMacclenny

CountyBaker

StateFL

Zip Code32063

Lot Size233,917.2 sq ft

Parcel Number233S21014500010010

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided, Gas

# of Stories2