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Sold

Sold·Closed Jul 1, 2026·4 days on market

10899 Cedar Creek Farms Road

Glen St. Mary, FL 32040

$240,000sold priceListed at $275,000 · 87.3% of asking$132/sqftMLS# 2147410
3
Beds
2
Baths
1,824
Sq Ft
1978
Built
—
Garage
No
Pool
No HOA4.19 acresWaterfrontSingle Family Residence1 story

About this home

Glen St. Mary

Escape to wide open spaces and peaceful country living on 4.16 acres in beautiful Glen St. Mary! This unique property offers the perfect blend of privacy, functionality, and endless potential for those looking to create their own rural retreat. Featuring approximately 1,824 square feet, a metal/tin roof, central cooling, multiple structures, and a versatile workshop/shop space with electricity, this property is designed for both work and play. A large pond out front immediately sets the tone for this peaceful property, where wildlife sightings and quiet surroundings make everyday living feel like a getaway. With plenty of room for RVs, boats, trailers, recreational vehicles, equipment, and outdoor toys, this property is ideal for anyone needing space to spread out and enjoy the outdoors.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,329
Estimated total, before insurance$1,329/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,501/yr · $125/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$240,000
$48,000
Loan Term
Monthly Payment
$1,329
Principal & Interest: $1,329
Insurance (est.): $160
Estimated Total Monthly
$1,489
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1978)

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

Solar potential: ~1,545 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,501/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.

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 $223/sq ft; this home is listed at $151/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10010 Cedar Creek Farms Road, Sanderson, FL 32087Listed by TRINITY REAL ESTATE III LLCNov 2025$201,000$1432/1.51,4081390.5
11286 J D Smith Trail, Glen St. Mary, FL 32040Listed by KELLER WILLIAMS JACKSONVILLEJun 2026$425,000$2033/2.52,09480.9
8685 Odis Yarborough Road, Glen St. Mary, FL 32040Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$430,000$2304/21,8711341.9
8178 Hunters Ridge S, Glen St. Mary, FL 32040Listed by NON MLS (realMLS)Jul 2026$525,000$2353/32,23302.2
8250 S Hunters Ridge, Glen St. Mary, FL 32040Listed by MCCABE REALTY INCAug 2025$488,000$2233/22,187292.2

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

Price$275,000
Price / Sq Ft$151
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,824
Acres4.19 acres
Year Built1978
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
# of Carport Spaces6
Has PoolNo
Is WaterfrontYes

Community Information

Address10899 Cedar Creek Farms Road, Glen St. Mary, FL 32040
Area502-Baker County-NW
SubdivisionCedar Creek Farms
CityGlen St. Mary
CountyBaker
StateFL
Zip Code32040
Lot Size182,516.4 sq ft
Parcel Number162S21010700000400

Amenities

UtilitiesElectricity Available
Water SourceWell
ParkingCarport, RV Access/Parking, Other
ViewPond, Trees/Woods
Waterfront TypePond

Interior

AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne

Exterior

Lot DescriptionOther
RoofMetal
Other StructuresShed(s), Workshop

Additional Information

Date ListedMay 28, 2026
Days on Market4
Tax Amount$1,500.7
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 1, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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