1 / 34

Active Under Contract

Active Under Contract·63 days on market

164 6th Street N

Macclenny, FL 32063

$349,000$125/sqftEst. $1,858/moMLS# 2145121

Beds

Baths

2,798

Sq Ft

1950

Built

Garage

Pool

About this home

Macclenny

This well-maintained brick home has been thoughtfully updated with features buyers will appreciate inside and out! Recent improvements include new carpet in all 4 bedrooms, new laminate flooring in the laundry room, office, and detached flex space, plus updated closet systems in 3 bedrooms for added organization and storage. The kitchen has been refreshed with a new oven/range, new vent hood, new dishwasher, and new kitchen faucet, while the bathroom off the kitchen has been upgraded with a beautiful walk-in shower. All 3 toilets even include bidets for added comfort and convenience. Tech lovers will appreciate the home's private network setup featuring a network box, 16-port switch, multiple access points for boosted Wi-Fi coverage, and network wiring already run throughout the home -- including camera-ready connections at each corner of the property.

Cost to own

Mortgage calculator

Home Price

$349,000

Down Payment: 20%

$69,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,763

Principal & Interest: $1,763

Est. Taxes & Insurance: $441

Estimated Total Monthly

$2,204

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,858

Estimated total, before insurance$1,858/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,608/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 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 1950)

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

Sewer · FL0040495 - Macclenny WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040495 - Macclenny WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,700 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History