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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

Active·85 days on market

839 N Lowder Street

Macclenny, FL 32063

$449,000$257/sqftEst. $2,487/moMLS# 2155985
3
Beds
2
Baths
1,745
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.73 acresSingle Family Residence1 storyNew construction

See it this week

Want to walk through this home this week?

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.

Call (904) 709-7917 Text Krista

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

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,487
Estimated total, before insurance$2,487/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$793/yr · $66/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

$449,000
$89,800
Loan Term
Monthly Payment
$2,487
Principal & Interest: $2,487
Insurance (est.): $299
Estimated Total Monthly
$2,786
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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.

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.

History

Price & status history

  • Jul 17, 2026Listed$449,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $152/sq ft; this home is listed at $257/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
801 N Lowder Street, Macclenny, FL 32063Listed by WATSON REALTY CORPApr 2026$210,000$1313/1.51,6091660.1
574 Independence Drive, Macclenny, FL 32063Listed by FLATFLEE.COM INCJun 2026$350,000$1575/32,232270.2
5525 Huckleberry Trail S, Macclenny, FL 32063Listed by FRONT PORCH REALTYSep 2026$316,500$1423/22,2221210.6
1168 Coppergate Place, Macclenny, FL 32063Listed by REAL ESTATE WITH GARLON WEBBJun 2026$424,200$1953/22,1751600.6
5520 Huckleberry Trail S, Macclenny, FL 32063Listed by MCCABE REALTY INCJun 2026$310,900$1524/32,04380.6
11710 Faye Road, Macclenny, FL 32063Listed by BIRD DOG REAL ESTATE GROUP LLCJun 2026$245,000$1284/21,917140.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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)

Exterior

Patio / PorchCovered, Front Porch, Patio, Rear Porch
RoofShingle
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJuly 17, 2026
Days on Market0
Tax Amount$792.89
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: THOMAS R RHODEN AGENCY, INC

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

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