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Active

Active·230 days on market

5677 Caribbean Circle

Keystone Heights, FL 32656

$40,900MLS# 1241182

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Keystone Heights

Discover tranquility on this serene 1.34-acre vacant land in Keystone Heights. Whether you dream of building your perfect home or desire a mobile home setup, this property offers endless possibilities. Nestled between Jacksonville and Gainesville, Keystone Heights provides the ideal balance of peaceful living and convenient access to city amenities. Embrace the natural beauty of this picturesque location and create your dream retreat. Don't miss this opportunity to make this peaceful oasis your own.

Cost to own

Mortgage calculator

Home Price

$40,900

Down Payment: 20%

$8,180

Interest Rate: 6.71%

Loan Term

Monthly Payment

$211

Principal & Interest: $211

Property taxes (est.): $63

Insurance (est.): $27

Estimated Total Monthly

$301

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$16,000	$16,000	—
2024	$16,000	$16,000	—
2023	$16,000	$16,000	—
2022	$16,000	$16,000	—
2021	$16,000	$16,000	—
2020	$16,000	$16,000	—

Estimated taxes if purchased at asking price: ~$800/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. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

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: material not specified

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

Solar potential: ~1,522 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 July 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