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Active

Active·3 days on market

839 N Lowder Street

Macclenny, FL 32063

$449,000$257/sqftEst. $2,282/moMLS# 2155985

Beds

Baths

1,745

Sq Ft

2026

Built

Garage

Pool

About this home

Macclenny

Absolutely breathtaking brand new custom designer home.You'll be greeted by a beautifully designed front porch that welcomes you with open arms, This open floor plan provides ample space for entertaining. Entry leads into a spacious family room with dining area. The Kitchen is a chef's dream with a grand island for food prep & breakfast bar,custom cabinets with tons of storage space and roomy walk in pantry. Luxurious master suite with double vanities, soaking tub, huge walk in tile shower and custom closet. Secondary bedrooms and bath give children and guest plenty of privacy. End your days on the covered back porch or the open patio entertaining or just relaxing with your family. Come enjoy living in the country on this .73 acre lot.

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,282

Principal & Interest: $2,282

Est. Taxes & Insurance: $571

Estimated Total Monthly

$2,853

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$2,282

Estimated total, before insurance$2,282/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $793/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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,637 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 17, 2026Listed$449,000

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

Features

Price$449,000

Price / Sq Ft$257

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,745

Total Structure Area2,639 sq ft

Acres0.73 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

MiddleBaker County

HighBaker County

Community Information

Address839 N Lowder Street, Macclenny, FL 32063

Area501-Macclenny Area

SubdivisionMetes & Bounds

CityMacclenny

CountyBaker

StateFL

Zip Code32063

Lot Size31,798.8 sq ft

Parcel Number292S22000000001260

Amenities

UtilitiesCable Available

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories1

LevelsOne

SecuritySmoke Detector(s)