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Active

Active·62 days on market

11569 Cowpen Road

Sanderson, FL 32087

$695,000$269/sqftEst. $3,544/moMLS# 2148513

Beds

Baths

2,580

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Sanderson

NEW BLACK ROOF INSTALLED 7/9/26. Welcome to the country lifestyle you've been dreaming of. Nestled on 10 beautiful acres, this spacious 2,580-square-foot home, built in 2006, offers 5 bedrooms and 2.5 bathrooms with a layout designed for both comfort and functionality. Step inside to be greeted by a stunning staircase and a welcoming floor plan featuring a formal dining room, spacious kitchen, eat-in breakfast area, living room, and an additional bonus space perfect for a playroom, office, or second living area. The primary suite is conveniently located on the first floor, providing privacy and ease of access along with a nearby half bath for guests. Upstairs, you'll find four generously sized bedrooms and a full bathroom, providing plenty of room for family, guests, a home office, or flex space to fit your needs.

Cost to own

Mortgage calculator

Home Price

$695,000

Down Payment: 20%

$139,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,544

Principal & Interest: $3,544

Insurance (est.): $463

Estimated Total Monthly

$4,007

*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$3,544

Estimated total, before insurance$3,544/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,369/yr · $197/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): $2,369/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 2006)

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

Septic system (public record) · Private well (public record)

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: ~1,671 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

Price & status history

Jul 9, 2026Price change$695,000−$5,000
Jun 4, 2026Listed$700,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$695,000

Price / Sq Ft$269

Bedrooms5

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,580

Acres10.02 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

# of Carport Spaces3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

MiddleBaker County

HighBaker County

Community Information

Address11569 Cowpen Road, Sanderson, FL 32087

Area502-Baker County-NW

SubdivisionMetes & Bounds

CitySanderson

CountyBaker

StateFL

Zip Code32087

Lot Size436,471.2 sq ft

Parcel Number292S21018100000540

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Covered, Detached Carport, Garage

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

LaundryIn Unit, Lower Level