Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 55
Active

Active·72 days on market

1296 Copper Creek Drive

Macclenny, FL 32063

$439,900$194/sqftEst. $2,330/moMLS# 2154837
3
Beds
2.5
Baths
2,272
Sq Ft
2006
Built
2
Garage
No
Pool
FEMA Zone XNo HOA11,326 sqft lotSingle Family Residence2 stories

About this home

Macclenny

Welcome to this stunning all brick, two-story home located in the highly sought-after Copper Creek neighborhood.The inviting open floor plan features a spacious living room with a cozy fireplace and an abundance of windows that fill the home with natural light. The chef's dream kitchen is designed to impress with custom cabinetry, generous counter space, a breakfast nook, and a formal dining room that's perfect for hosting family gatherings and entertaining guests. The spacious primary suite, conveniently located on the main level, offers a private retreat with dual walk-in closets, separate vanities, a relaxing garden tub, and a separate walk-in shower. Upstairs, you'll find two generously sized guest bedrooms and a full bath, providing comfort and privacy for family or visitors. Step outside to the covered back porch overlooking the privacy fenced backyard an ideal space for relaxing, grilling, or watching the kids play. Located just minutes from shopping,schools and the interstate.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,330
Estimated total, before insurance$2,330/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,447/yr · $287/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

$439,900
$87,980
Loan Term
Monthly Payment
$2,330
Principal & Interest: $2,330
Insurance (est.): $293
Estimated Total Monthly
$2,623
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 2006)

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: ~1,667 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,447/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

  • Jul 10, 2026Listed$439,900

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

Features

Price$439,900
Price / Sq Ft$194
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,272
Total Structure Area2,555 sq ft
Acres0.26 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

MiddleBaker County
HighBaker County

Community Information

Address1296 Copper Creek Drive, Macclenny, FL 32063
Area501-Macclenny Area
SubdivisionCopper Creek Hills
CityMacclenny
CountyBaker
StateFL
Zip Code32063
Lot Size11,325.6 sq ft
Parcel Number302S22016700000450

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingOther

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Primary Downstairs
AppliancesDishwasher, Electric Oven, Microwave, Refrigerator
HeatingElectric
CoolingCentral Air
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo

Exterior

Patio / PorchRear Porch
FencingFenced, Back Yard, Privacy
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJuly 10, 2026
Days on Market6
Tax Amount$3,447.37
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THOMAS R RHODEN AGENCY, INC · brandivolz@rhodenrealestate.com

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines