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Active

Active·50 days on market

8743 S Ben Rowe Circle

Macclenny, FL 32063

$265,000$169/sqftEst. $1,410/moMLS# 2147072

Beds

Baths

1,566

Sq Ft

1973

Built

—

Garage

Pool

About this home

Macclenny

Charming brick ranch home with 3 bedrooms and 2 full baths on nearly half an acre! This property offers a fully fenced backyard, carport, and a spacious addition that creates the perfect family room for entertaining or relaxing or a primary suite. Conveniently located near I-10, shopping, dining, and everyday amenities, this home offers both comfort and convenience with plenty of outdoor space to enjoy.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,339

Principal & Interest: $1,339

Est. Taxes & Insurance: $335

Estimated Total Monthly

$1,673

*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$1,410

Estimated total, before insurance$1,410/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.

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: material not specified — year not disclosed (home built 1973)

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

Likely septic

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: ~1,426 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

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