Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·68 days on market

11066 Cowpen Road

Sanderson, FL 32087

$685,000$301/sqftEst. $3,493/moMLS# 2147659

Beds

Baths

2,272

Sq Ft

2026

Built

Garage

Pool

About this home

Sanderson

Don't miss this opportunity own your dream home on a generous lot with room to grow! Nestled on a beautiful, oversized lot on 10 acres, this MOVE IN READY property offers 4 bedrooms, 3 bathrooms, an office and a 2-car garage, providing ample space for your family and lifestyle. In addition to the primary bathroom, there is an additional bedroom with an ensuite bath. The kitchen features 42'' cabinetry with soft-close drawers, quartz countertops, and an unforgetable walk-in pantry with built in shelves. Enjoy the benefits of a split floor plan and modern finishes. With no HOA or CDD you have the freedom to make this property truly your own!!

Cost to own

Mortgage calculator

Home Price

$685,000

Down Payment: 20%

$137,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,493

Principal & Interest: $3,493

Insurance (est.): $457

Estimated Total Monthly

$3,949

*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$3,493

Estimated total, before insurance$3,493/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,438/yr · $120/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,438/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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,663 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