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·51 days on market

226 E Minnesota Avenue

Macclenny, FL 32063

$333,000$166/sqftEst. $1,712/moMLS# 2154525

Beds

Baths

2,009

Sq Ft

1973

Built

Garage

Pool

About this home

Macclenny

This beautifully maintained brick home offers the perfect mix of charm, space, and updates. Situated on a desirable corner lot in a walkable neighborhood, this 4-bedroom, 3-bath home features over 2,000 square feet of comfortable living space. The renovated kitchen is a standout with 42-inch cabinetry, a large island, and an open layout that flows seamlessly into the main living areas, perfect for everyday living and entertaining. The spacious living and dining area is anchored by a stunning stone wood-burning fireplace. Outside, you'll find fully fenced front and back yards, ideal for pets, play, or gatherings, along with a 2-4 car carport for added convenience. With a roof approximately 8 years old and an AC unit around 4 years old, this home is move-in ready and waiting for its next owner. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$333,000

Down Payment: 20%

$66,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,712

Principal & Interest: $1,712

Insurance (est.): $222

Estimated Total Monthly

$1,934

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,712

Estimated total, before insurance$1,712/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.

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: Shingle — year not disclosed (home built 1973)

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

Sewer · FL0040495 - Macclenny WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040495 - Macclenny WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,526 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