$439,000Active Under Contract3 bd · 2 ba · 2,580 sq ft
Active Under Contract·79 days on market
10645 St Marys Circle W
Macclenny, FL 32063
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About this home
Macclenny
Unique, Waterfront, 3-bed, 2-bath, Home with Southern Charm offers privacy, character and an inviting indoor/outdoor living space. Double front doors open to spacious living areas that feature vaulted ceilings, exposed wood beams, skylights, warm wood flooring and impressive floor-to-ceiling brickwork with a two-way fireplace. The spacious Southern-style kitchen is a cook's dream, featuring a large pantry, center island, ample counter space, stainless-steel appliances, and beautiful brick accents. A separate laundry pantry provides even more storage and workspace, making this kitchen as functional as it is inviting. The large primary suite includes french doors opening to the spacious covered porch, perfect for grilling and entertaining. The covered porch overlooks the shaded garden area, a spacious backyard and the peaceful Little St. Marys Prong. Additional features include a whole-house generator and a small but secure basement. If in-law suite or another bedroom is desired, the
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: material not specified — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,682 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 homeAs of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 13 mi · 24.6 mi of trails
Closest kayak & paddleboard launch
Jennings State Forest – Powell Ford Paddling Accessabout 14 mi · Black Creek North Fork
Closest grocery store
Publixabout 18 mi · 11341 Normandy Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Oct 20, 2026Active Under Contract$439,000
- Aug 20, 2026Listed$439,000
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 $154/sq ft; this home is listed at $170/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6141 Charlie Rowe Drive, Macclenny, FL 32063Listed by COWFORD REALTY & DESIGN LLC | Oct 2026 | $525,000 | $254 | 3/2 | 2,066 | 108 | 0.4 |
| 10425 Greystone Drive, Glen St. Mary, FL 32040Listed by WJH BROKERAGE FL LLC | Sep 2026 | $326,990 | $150 | 5/3 | 2,180 | 67 | 0.4 |
| 10400 Greystone Drive, Glen St. Mary, FL 32040Listed by WJH BROKERAGE FL LLC | Jun 2026 | $327,990 | $150 | 5/3 | 2,180 | 35 | 0.4 |
| 10393 Greystone Drive, Glen St. Mary, FL 32040Listed by WJH BROKERAGE FL LLC | Oct 2026 | $325,990 | $150 | 5/3 | 2,180 | 214 | 0.5 |
| 5826 Irvin Street, Macclenny, FL 32063Listed by EXIT INSPIRED REAL ESTATE | Jul 2026 | $437,000 | $218 | 5/3 | 2,001 | 55 | 0.5 |
| 551 Heritage Crossing, Macclenny, FL 32063Listed by FRONT PORCH REALTY | Jun 2026 | $350,000 | $154 | 4/3 | 2,277 | 69 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: HI
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.
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