12027 Palmetto Place, Sanderson, FL 32087
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 29, 2026, 12027 PALMETTO Place in Cedar Creek, Sanderson is listed at $529,900 (2,160 sq ft, about $245 per sq ft). It has been 106 days on market. Listing facts: built in 2005, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2005 · 21 yrs
- 2,160 sq ft of living area
- 106 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2005BuiltPer public record
- Sep 29, 2026First trackedObserved at $529,900 · 106 days on market
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,829/mo 80%
- Taxes $442/mo 12%
- Insurance $217/mo 6%
- HOA $50/mo 1%
$3,537/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Natural hazard risk
FEMA National Risk Index for Baker County, FL: overall Very Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Momentum Property Score
41/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $245 per square foot, about in line with the community’s $245 median. Cedar Creek’s 12-month median sold price per square foot is $245. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to the complete North Florida country escape--where high-end luxury meets more than 10 acres of freedom, fun, & opportunity! Set behind a custom gated entrance in this highly sought-after area of peaceful Sanderson, this beautifully remodeled 4-bedroom, 2-bath retreat offers approximately 2,160 square feet of bright, stylish living space, a private swimming & fishing pond with floating dock, extensive fencing, a powered workshop, & room to create the lifestyle you have always wanted. Inside, nearly everything has been renewed from top to bottom.
Luxury vinyl plank flooring runs throughout the home, creating a clean & cohesive look. The stunning kitchen features rich finishes, upgraded stainless-steel appliances, a deep sink, & beautiful cabinetry selected with care. The bathrooms continue the high-end feel with luxury toilets, top-of-the-line vanities, custom tilework, smart-touch lighted mirrors, oversized glass-enclosed showers with custom tilework, & sleek finishes.
Crown molding, baseboards, custom drapes, window coverings, updated lighting, fresh finishes, & a faux-stone wood-burning fireplace with a handsome mantle add warmth & character throughout. The oversized primary suite feels like a private retreat of its own, offering exceptional space, comfort, & room to relax. Every bedroom includes a walk-in closet, making the layout ideal for guests, hobbies, home offices, multi-generational living, or anyone who simply wants more room.
A new roof was installed in 2025, allowing buyers to enjoy the beauty of the remodel with added peace of mind. The home also offers inviting front & rear decks & a screened outdoor living area for quiet mornings, family meals, evening gatherings, or simply enjoying the surrounding land. Outside is where the real adventure begins.
Swim, fish, or unwind beside your private pond & floating dock. Ride, roam, garden, raise animals, entertain, or create your own hobby farm across more than 10 acres. The pond may become everyone's favorite room, the workshop may cause some friendly competition, & the animals may believe the land was purchased just for them.
The sellers have invested heavily in fencing & the impressive custom front gate, creating privacy, beauty, & a true estate-style arrival. A new matching Lark workshop sits on a custom concrete pad with electricity already connected, offering outstanding space for tools, equipment, projects, storage, hobbies, or recreational vehicles. The opportunity may become even sweeter with a valuable personal-property package available with acceptable terms, including a trailer, Craftsman zero-turn mower, & a lightly used 2022 Honda Pioneer 750 equipped with upgraded lighting, winch, hitch, & speaker system.
All personal property is subject to a separate written agreement. This is more than a remodeled home on acreage. It is a private pond retreat, hobby-farm opportunity, outdoor playground, workshop property, peaceful escape, & move-in-ready luxury home--all wrapped into one unforgettable package.
Bring your plans, your animals, your outdoor toys, & the people you love. All the hard work has already been done. Schedule your private showing & discover how much life can fit on 10 beautiful acres!
All 52 photos
Description provided by RE FLORIDA HOMES LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $529,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 49 active listings competing, 12 under contract
For reference, this home is listed at $529,900 ($245/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,160 sq ft × $216–$274/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 29, 2026.
Similar homes for sale near Cedar Creek
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Cedar Creek
- 540 N Lowder Street · $299,900 · 3 bd / 2.0 ba · listed September 26, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
- 5054 Papa Fraser Road · $225,000 · 2 bd / 2.0 ba · listed September 24, 2026 (courtesy of HAMILTON HOUSE REAL ESTATE GROUP, LLC)
- 4369 Wolfe Drive · $427,000 · 4 bd / 2.0 ba · listed September 20, 2026 (courtesy of HERRON REAL ESTATE LLC)
- 8796 Gin Henry Lane · $699,000 · 3 bd / 2.0 ba · listed September 18, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
- 13761 O C Horne Road · $415,000 · 4 bd / 2.0 ba · listed September 18, 2026 (courtesy of DUAL STATE REAL ESTATE INC)
- 4209 Southwood Road · $204,900 · 3 bd / 2.0 ba · listed September 14, 2026 (courtesy of DUAL STATE REAL ESTATE INC)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 12027 PALMETTO Place?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by RE FLORIDA HOMES LLC · MLS # 2150604
Request a showing
Recent sales activity in Cedar Creek
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Cedar Creek neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Cedar Creek
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Baker County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 12027 PALMETTO Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Baker County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,160 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $5,299/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | realMLS, refreshed hourly (last: September 29, 2026) |
| Community market stats | realMLS closed sales, as of September 29, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 12027 PALMETTO Place and when was it built?
Per the listing record, 12027 PALMETTO Place was built in 2005 and has 2,160 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12027 PALMETTO Place in?
12027 PALMETTO Place is in Cedar Creek in Sanderson, Baker County. The community section on this page shows recent closed sales, days on market, and active inventory for Cedar Creek from the same MLS data.
Does 12027 PALMETTO Place have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 12027 PALMETTO Place differ from the current owner's?
The estimate on this page (about $5,299 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12027 PALMETTO Place in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 12027 PALMETTO Place in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.