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Active

Active·19 days on market

15805 Stokes Road

Macclenny, FL 32063

$799,000$793/sqftEst. $4,074/moMLS# 2155784

Beds

Baths

1,008

Sq Ft

1945

Built

Garage

Yes

Pool

About this home

Macclenny

Discover the endless possibilities on this breathtaking 15.59 acre riverfront retreat, where adventure, relaxation, and investment potential come together. With most of the acreage fronting the river, this one of a kind property offers spectacular views, a private boat ramp and many opportunities to enjoy boating, fishing, kayaking, camping, and the great outdoors! Wake up to stunning sunrises and watch the eagles soar overhead and dive for their prey all from your own property. The property includes an artesian well, 24x30 detached garage, 2 historical homes built in 1945 and 1951 each offer 3 bedrooms and 1 bathroom which could be transformed into charming guest cottages, used for a family compound or design your own riverfront estate while enjoying the character and history these homes offer. With room to build your dream home, entertain family and friends or create an income producing retreat the possibilities are endless. Whether it's a waterfront sanctuary, investment property

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,074

Principal & Interest: $4,074

Insurance (est.): $533

Estimated Total Monthly

$4,607

*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$4,074

Estimated total, before insurance$4,074/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1945)

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: ~1,237 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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