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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·20 days on market

13543 County Road 124

Sanderson, FL 32087

$799,000$292/sqftEst. $4,265/moMLS# 2163683
4
Beds
4.5
Baths
2,738
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10.40 acresSingle Family Residence1 storyNew construction

About this home

Sanderson

This NEW CONSTRUCTION custom style home sits on an expansive 10.40 acre parcel and leaves no detail unaccounted for. Thoughtfully designed with elevated craftsmanship throughout, the home features 10-foot ceilings, oversized windows that flood the space with natural light, 8-foot doors, and 2x6 construction, creating the perfect blend of luxury and timeless design. Inside, the open and airy floorplan was designed for both everyday living and entertaining. The kitchen offers an abundance of storage, complete with a butler's pantry, while each of the 4 bedrooms features its own private ensuite bathroom, creating a true sense of comfort and privacy for family and guests alike. The primary suite feels like a retreat of its own with dual vanities, a walk-in shower, and a soaking tub designed for relaxation. A dedicated office provides the ideal work-from-home setup, while the mudroom and laundry room just off the garage feature built-in cabinetry for added convenience and functionality.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$4,265
Estimated total, before insurance$4,265/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$799,000
$159,800
Loan Term
Monthly Payment
$4,265
Principal & Interest: $4,265
Insurance (est.): $533
Estimated Total Monthly
$4,798
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,593 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

Price & status history

  • Sep 5, 2026Listed$799,000

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

Features

Price$799,000
Price / Sq Ft$292
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage2,738
Acres10.40 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

Address13543 County Road 124, Sanderson, FL 32087
Area502-Baker County-NW
SubdivisionCedar Hill
CitySanderson
CountyBaker
StateFL
Zip Code32087
Lot Size453,024 sq ft
Parcel Number242S20000000000010

Amenities

UtilitiesOther
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Road SurfacePaved

Additional Information

Date ListedSeptember 5, 2026
Days on Market0
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: RIVER CITY RENTALS AND REALTY

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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