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Active·5 days on market

8796 Gin Henry Lane

Glen St. Mary, FL 32040

$699,000$445/sqftEst. $3,702/moMLS# 2165175
3
Beds
2
Baths
1,572
Sq Ft
2014
Built
Garage
No
Pool
FEMA Zone AENo HOA10.86 acresSingle Family Residence2 stories

About this home

Glen St. Mary

Cypress Log Retreat on 10 Peaceful Acres! Tucked away on 10 beautiful acres, this custom Red Cypress log home offers a rare opportunity to enjoy privacy, nature, and a peaceful homestead lifestyle. Wake to the scent of magnolias, watch hummingbirds from the porch, and spend evenings by the pond as deer, wild turkey, owls, and other wildlife make their way through the property. Thoughtfully maintained, the grounds feature a fenced garden, berry plantings, fruit and nut trees, and plenty of space for a hobby farm, homestead, or private retreat. The open-concept living area and kitchen feature an eat-in island, creating a warm space for gathering. The spacious owner's suite offers a walk-in shower and walk-in closet, while the loft provides flexible space for an office, guest room, or media area. Backing to the South Prong of the St. Marys River, this move-in-ready home also features front and rear porches, and so much more. Make your showing appointment today.

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$3,702
Estimated total, before insurance$3,702/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,925/yr · $410/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

$699,000
$139,800
Loan Term
Monthly Payment
$3,702
Principal & Interest: $3,702
Insurance (est.): $466
Estimated Total Monthly
$4,168
*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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 2014)

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

Septic system (public record) · Private well (public record)

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: ~1,717 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,925/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

  • Sep 17, 2026Listed$699,000

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

Features

Price$699,000
Price / Sq Ft$445
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,572
Total Structure Area1,572 sq ft
Acres10.86 acres
Year Built2014
TypeResidential
Sub-TypeSingle Family Residence
StyleLog
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

MiddleBaker County
HighBaker County

Community Information

Address8796 Gin Henry Lane, Glen St. Mary, FL 32040
Area503-Baker County-South
SubdivisionGlen St Mary
CityGlen St. Mary
CountyBaker
StateFL
Zip Code32040
Lot Size473,061.6 sq ft
Parcel Number103S21000000000132
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePrivate, Well
ParkingAttached Carport, Covered, Off Street
ViewPond, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Split Bedrooms
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo

Exterior

Lot DescriptionAgricultural, Many Trees, Wooded
Patio / PorchCovered, Front Porch, Rear Porch
RoofMetal
ConstructionLog
Road SurfaceDirt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 17, 2026
Days on Market0
Tax Amount$4,924.55
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · nora.williams@FloridaNetworkRealty.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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