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Active

Active·27 days on market

1138 Copperfield Circle

Macclenny, FL 32063

$432,900$193/sqftEst. $2,292/moMLS# 2161540
3
Beds
2
Baths
2,240
Sq Ft
2002
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.42 acresSingle Family Residence1 story

About this home

Macclenny

Welcome to this spacious three-bedroom, two-bathroom home located in the very desirable Copper Creek neighborhood. This beautiful home features a comfortable great room with a gas fireplace, a separate living room, cozy breakfast nook & a formal dining room. The large master suite offers plenty of space & includes a private bathroom with a relaxing tub, walk-in shower & separate his-and-her walk-in closets. Step outside & enjoy the huge fenced-in backyard, perfect for entertaining, pets, or play.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,292
Estimated total, before insurance$2,292/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,240/yr · $520/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

$432,900
$86,580
Loan Term
Monthly Payment
$2,292
Principal & Interest: $2,292
Insurance (est.): $289
Estimated Total Monthly
$2,581
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 2002)

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

Sewer · FL0040495 - Macclenny WWTF · Public water (record)

County records show this parcel on central sewer served by FL0040495 - Macclenny WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,690 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 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 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): $6,240/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

  • Aug 24, 2026Listed$432,900

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

Features

Price$432,900
Price / Sq Ft$193
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,240
Acres0.42 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

MiddleBaker County
HighBaker County

Community Information

Address1138 Copperfield Circle, Macclenny, FL 32063
Area501-Macclenny Area
SubdivisionCopper Creek Hills
CityMacclenny
CountyBaker
StateFL
Zip Code32063
Lot Size18,295.2 sq ft
Parcel Number302S22016700000240

Amenities

UtilitiesElectricity Connected
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesSplit Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1

Exterior

Patio / PorchScreened
FencingBack Yard
RoofShingle
ConstructionBrick

Additional Information

Date ListedAugust 24, 2026
Days on Market0
Tax Amount$6,240.14
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLATFLEE.COM INC · info@flatfee.com

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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