Active·15 days on market
540 N Lowder Street
Macclenny, FL 32063
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Macclenny
Welcome to your turn-key country retreat! Nestled on over a half an acre lot away from the hustle and bustle of the big city, this fully remodeled, move-in-ready 3-bedroom, 2-bathroom ranch-style home combines peaceful rural living with modern convenience and style. Enjoy cooking in your gourmet kitchen with white shaker cabinets, sleek granite countertops, a classic subway tile backsplash, and stainless steel appliances. Refreshed Living Spaces: Features beautiful LVP floors and updated interior. Modern Bathrooms: Stylishly updated with new vanities, granite tops, tiled shower walls, a soaking tub, modern fixtures. Major Upgrades & Systems (2018). The large lot is perfect to home all your outdoor toys and perfect for hosting endless bbq's and entertaining!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1950)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,623 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 homeAs 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): $1,682/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 25, 2026Listed$299,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $157/sq ft; this home is listed at $162/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 551 Heritage Crossing, Macclenny, FL 32063Listed by FRONT PORCH REALTY | Jun 2026 | $350,000 | $154 | 4/3 | 2,277 | 69 | 0.1 |
| 574 Independence Drive, Macclenny, FL 32063Listed by FLATFLEE.COM INC | Jun 2026 | $350,000 | $157 | 5/3 | 2,232 | 27 | 0.1 |
| 801 N Lowder Street, Macclenny, FL 32063Listed by WATSON REALTY CORP | Apr 2026 | $210,000 | $131 | 3/1.5 | 1,609 | 166 | 0.2 |
| 717 Bogie Drive, Macclenny, FL 32063Listed by DUAL STATE REAL ESTATE INC | Jun 2026 | $185,000 | $114 | 4/2 | 1,620 | 69 | 0.5 |
| 5826 Irvin Street, Macclenny, FL 32063Listed by EXIT INSPIRED REAL ESTATE | Jul 2026 | $437,000 | $218 | 5/3 | 2,001 | 55 | 0.8 |
| 1168 Coppergate Place, Macclenny, FL 32063Listed by REAL ESTATE WITH GARLON WEBB | Jun 2026 | $424,200 | $195 | 3/2 | 2,175 | 160 | 0.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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.
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines