Sold·Closed Sep 22, 2026·89 days on market
11066 Cowpen Road
Sanderson, FL 32087
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
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 18 mi · 24.6 mi of trails
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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.
History
Price & status history
- Sep 22, 2026Closed$675,000
- Aug 26, 2026Active Under Contract$675,000
- Aug 21, 2026Price change$675,000−$10,000
- Jul 16, 2026Price change$685,000−$10,000
- May 29, 2026Listed$695,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $284/sq ft; this home is listed at $297/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11722 Fred Harvey Road, Sanderson, FL 32087Listed by REMI REALTY, LLC | Jul 2025 | $450,000 | $242 | 3/2 | 1,863 | 106 | 0.4 |
| 11529 Cowpen Road, Sanderson, FL 32087Listed by DUAL STATE REAL ESTATE INC | Dec 2025 | $529,000 | $284 | 3/2 | 1,860 | 37 | 0.5 |
| 10021 Morning Glory Lane, Sanderson, FL 32087Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2025 | $940,000 | $387 | 3/2.5 | 2,431 | 63 | 0.9 |
| 12747 Cowpen Road, Glen St. Mary, FL 32040Listed by MCCABE REALTY INC | Apr 2026 | $418,900 | $186 | 4/3 | 2,250 | 44 | 1.5 |
| 13709 Katie Johnson Lane, Sanderson, FL 32087Listed by REMI REALTY, LLC | Jun 2026 | $289,000 | $137 | 3/2 | 2,108 | 23 | 2.1 |
| 13607 County Road 124, Sanderson, FL 32087Listed by RIVER CITY RENTALS AND REALTY | Oct 2026 | $665,000 | $293 | 4/3 | 2,272 | 6 | 2.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RIVER CITY RENTALS AND REALTY
Sold by: KELLER WILLIAMS ST JOHNS (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 22, 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.
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