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Active

Active·15 days on market

9545 178th Street

McAlpin, FL 32062

$850,000$223/sqftEst. $4,334/moMLS# 2154848

Beds

Baths

3,809

Sq Ft

2005

Built

—

Garage

Yes

Pool

About this home

McAlpin

Escape to this beautiful 2-story log cabin on 5.5 private acres, offering the perfect blend of relaxation and investment potential. Enjoy a private screened inground pool, and a 900 sq ft/16 ft high ceiling Spa Room with a Michael Phelps swim spa/jacuzzi, 3-person sauna, gym equipment, dining table for 6, massage table, & meditation area. The property has been a successful Airbnb, making it ideal as a primary home, vacation getaway, or income-producing investment. Privacy, charm, and endless possibilities-all in one incredible property that comes completely furnished and is turnkey ready including its own webpage that generates bookings. Rural Florida, away from the hustle & bustle but less than 1 ½ hours from the Gulf of Mexico and Atlantic Ocean. With 5 springs, 2 rivers, and some of the best underwater cave diving in the US - you are close to some of the finest natural gems in the US. Privacy, charm, and endless possibilities-all in one incredible property.

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,334

Principal & Interest: $4,334

Insurance (est.): $567

Estimated Total Monthly

$4,901

*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$4,334

Estimated total, before insurance$4,334/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.

Cost to own

Taxes & assessment

property taxes (current owner): $3,198/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: Metal — year not disclosed (home built 2005)

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

Likely septic · 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: ~1,616 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 10, 2026Listed$850,000

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

Features

Price$850,000

Price / Sq Ft$223

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage3,809

Acres5.50 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleLog

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Direction FacesEast

Community Information

Address9545 178th Street, McAlpin, FL 32062

Area843-Suwannee County-Southeast

SubdivisionMetes & Bounds

CityMcAlpin

CountySuwannee

StateFL

Zip Code32062

Lot Size239,580 sq ft

Parcel Number2004S14E0315101012020133HXHB

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Not Available, Sewer Available, Water Available, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingOff Street

ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dryer, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Wall/Window Unit(s)

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

Window FeaturesSkylight(s)

Spa FeaturesHeated, Private