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This home is in Heritage Oaks, Macclenny.

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Active·4 days on market·Heritage Oaks

559 Heritage Crossing

Macclenny, FL 32063

$295,000$166/sqftEst. $1,524/moMLS# 2163363

Beds

Baths

1,774

Sq Ft

2022

Built

Garage

Pool

About this home

Heritage Oaks

Come check out this BEAUTIFUL 2 story home offering the best of both the beautiful small town life with all the luxuries that come with a modern home. Kitchen-gorgeous cabinets, granite counter tops with Stainless steel appliances. Here you will find one bedroom on the first level while the remaining ones, including the primary sweet are on the second floor. Also on the second floor is a lovely loft area allowing kids a hang out space separate from the adults downstairs. Convenience knows no bounds with the laundry room being located on the second floor as well. This wonderful open concept will provide your family gatherings with years of cheerful memories.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,524

Principal & Interest: $1,524

Insurance (est.): $197

Estimated Total Monthly

$1,721

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,524

HOAbilled annually$59

Estimated total, before insurance$1,584/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 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 2022)

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

Solar potential: ~1,703 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 September 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