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Active·2 days on market

13529 Settindown Drive

Bryceville, FL 32009

$645,000$279/sqftEst. $3,333/moMLS# 2163601

Beds

Baths

2,315

Sq Ft

2026

Built

Garage

Pool

About this home

Bryceville

Don't miss your opportunity to own this new construction home, perfectly situated on 5.64 acres. Designed for both comfort and functionality, this home features a 3-car garage with front and rear entry, offering over 600 square feet of garage space, perfect for lawn equipment or extra storage. Step inside to a thoughtfully designed floor plan featuring vaulted ceilings throughout the main living space. The home offers 4 bedrooms, 3 bathrooms, and an office. The gourmet kitchen is a true showstopper, boasting 42'' soft-close shaker cabinets, quartz countertops, and an unforgettable walk-in pantry. Additional highlights include a laundry room with utility sink. Relax on the oversized front and rear porches. The primary suite features a spa-like bath with a walk-in shower and dual vanities. A private guest suite with an ensuite bath makes this home perfect for multigenerational living or visiting guests.

Cost to own

Mortgage calculator

Home Price

$645,000

Down Payment: 20%

$129,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,333

Principal & Interest: $3,333

Property taxes (est.): $890

Insurance (est.): $430

Estimated Total Monthly

$4,653

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes use the county effective rate; 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$3,333

Property taxesest. at asking price, Nassau County$890

HOAbilled quarterly$167

Estimated total, before insurance$4,390/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$920/yr · $77/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$72,000	$51,800	—
2024	$63,960	$47,091	—
2023	$69,840	$42,810	—
2022	$43,008	$38,918	—
2021	$35,380	$35,380	—
2020	$35,380	$35,380	—

2025 property taxes (current owner): $920/yr

Estimated taxes if purchased at asking price: ~$10,700/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. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

History