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3704 NE Rocky Ford Rd, Madison, FL, 32340

5beds
3baths
3,452sqft
$445,000
$129price/sqft
$3,636/moest. monthly cost
$145,440/yrincome needed

About This Home

Sitting upon a full acre this west facing 16-year young 5 BR, 3BA home, features timeless architecture with white fluted columns at entry. The welcoming 2 story foyer with centered staircase leads up to 4 spacious bedrooms and a full bathroom, all with hardwood flooring. The owner's suite is conveniently located on the first level and placed on the south side of the home. The main level features a dining room, large eat in kitchen, living room, and a bonus room providing plenty of space for gathering. Private location, surrounded by trees in an open country setting with growth bringing you opportunity in Madison County.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2010

Materials

  • Foundation: Pillar Post Pier
  • Roof: Shingle
  • Construction materials: Frame Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Unique Special,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Storage
  • Window features: Insulated Windows
  • Flooring: Hardwood,Tile,Ceramic Tile

Heating & Cooling

  • Heating features: Central Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,452
  • Total interior livable area: 3,452 sqft

Property

Details

  • Parcel number: 021N093438001001
  • Zoning: Ag2

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Covered
  • Exterior features: Flowers

Lot

  • Lot size: 1.02 Acres
  • Lot size dimensions: 1.02

Parking

  • Parking features: 3+ Car,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Hurricane
Lightning
Cold Wave

FEMA Declared Disasters in Madison County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,250$27,000
Home Insurance *$498$5,976
Property Taxes $541$6,492
Electricity $347$4,168
Total$3,636$43,632
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,662/yr
40% on housing$109,080/yr
45% on housing$96,960/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.4%
14.4%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 32340$122
Madison County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 32340
Madison County$65

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-26Listed for sale$449,900
2026-03-16Listing removed$468,000
2026-02-13Price change$468,000
2026-02-06Price change$492,000
2026-01-28Price change$493,000
2026-01-21Price change$494,000
2026-01-13Price change$495,000
2026-01-06Price change$496,000
2025-12-30Price change$497,000
2025-12-23Listed for sale$498,000
2025-12-18Contingent$499,000
2025-11-08Price change$499,000
2025-08-30Listed for sale$549,000
2015-02-27Sold$19,900

For Sale by Agent

AgentFrances Smith
BrokerageMomentum Realty

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