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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active·109 days on market

9545 178th Street

McAlpin, FL 32062

$850,000$223/sqftEst. $4,671/mo mortgageMLS# 2154848
4
Beds
2
Baths
3,809
Sq Ft
2005
Built
—
Garage
Yes
Pool
FEMA Zone XNo HOA5.50 acresSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$4,671
Estimated total, before insurance$4,671/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$850,000
$170,000
Loan Term
Monthly Payment
$4,671
Principal & Interest: $4,671
Insurance (est.): $567
Estimated Total Monthly
$5,238
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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: 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:43 AM, sunset 6:48 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

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.

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

Exterior

Exterior FeaturesFire Pit
Lot DescriptionWooded
Patio / PorchFront Porch, Porch, Rear Porch, Side Porch
FencingWire, Wood
RoofMetal
ConstructionLog
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedJuly 10, 2026
Days on Market109
Tax Amount$3,198.16
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS SOUTHEASTERN PARTNERS

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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