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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·10 days on market

17396 S Ridgewood Drive

Glen St. Mary, FL 32040

$195,000$183/sqftEst. $1,080/moMLS# 2167236
2
Beds
2
Baths
1,064
Sq Ft
1994
Built
—
Garage
No
Pool
FEMA Zone XNo HOA5.04 acresMobile Home1 story

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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

Glen St. Mary

Affordable country living on acreage under $200K! Welcome to this charming 2-bedroom, 2-bathroom singlewide nestled on 5.04 peaceful acres in Glen St. Mary, FL. Enjoy the privacy and space of country living with established homestead ready for new owners to make it their own. The home features a 2020 roof and an A/C system 5 years old. Outside, a spacious 32x16 shed/workshop with an additional lean-to provides plenty of room for storage, projects, equipment, or hobbies. If you've been searching for affordable acreage, privacy, and a relaxed country lifestyle, this property is worth a look. Come see what country living can offer!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,080
Estimated total, before insurance$1,080/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

$195,000
$39,000
Loan Term
Monthly Payment
$1,080
Principal & Interest: $1,080
Insurance (est.): $130
Estimated Total Monthly
$1,210
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Metal — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · 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: ~1,569 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 October 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

  • Oct 1, 2026Listed$195,000

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 $326/sq ft; this home is listed at $183/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
17071 Sutton Trail, Glen St. Mary, FL 32040Listed by WATSON REALTY CORPNov 2025$280,000$3263/1859800.8

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

Price$195,000
Price / Sq Ft$183
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,064
Total Structure Area1,112 sq ft
Acres5.04 acres
Year Built1994
TypeResidential
Sub-TypeMobile Home
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

MiddleBaker County
HighBaker County

Community Information

Address17396 S Ridgewood Drive, Glen St. Mary, FL 32040
Area502-Baker County-NW
SubdivisionMetes & Bounds
CityGlen St. Mary
CountyBaker
StateFL
Zip Code32040
Lot Size219,542.4 sq ft
Parcel Number281S21014300010150

Amenities

UtilitiesSewer Connected
Water SourcePrivate, Well
ParkingUnassigned

Interior

AppliancesDryer, Gas Cooktop, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

RoofMetal
Other StructuresShed(s), Workshop

Additional Information

Date ListedOctober 1, 2026
Days on Market1
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER 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.

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

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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