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Sold·Closed Jun 10, 2025·206 days on market
445 Dove Street
Keystone Heights, FL 32656
About this home
Keystone Heights
This charming home offers an unbeatable location, just a short walk from shopping, schools, and medical facilities. The open-concept kitchen seamlessly flows into the living area, creating an inviting space for gatherings. The spacious bedrooms provide comfort and relaxation, while the covered patio overlooks a large, fully fenced yard, perfect for outdoor activities. Key updates include a roof and HVAC system from 2017, along with two water heaters for added convenience. The home is connected to city water and features a septic system. Keep your electricity low! Solar panels too!!! Don't miss this opportunity!
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.
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1982)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,429 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 30 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 3 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 6 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:32 AM, sunset 6:55 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $1,841/yr
Estimated taxes if purchased at asking price: ~$2,900/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, NEFMLS.
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 $194/sq ft; this home is listed at $165/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLC | Oct 2026 | $224,800 | $191 | 3/2 | 1,176 | 139 | 0 |
| 420 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTY | Apr 2025 | $237,000 | $194 | 3/2 | 1,222 | 22 | 0 |
| 465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $233,000 | $213 | 3/2 | 1,092 | 70 | 0.1 |
| 140 SW Citrus Avenue, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INC | Apr 2026 | $70,000 | $68 | 3/1 | 1,022 | 67 | 0.3 |
| 325 SW Magnolia Avenue, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2025 | $272,000 | $217 | 2/1 | 1,253 | 57 | 0.4 |
| 7873 State Road 21, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATE | May 2026 | $115,000 | $115 | 2/2 | 1,004 | 60 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PLANTANA REALTY, INC.
Sold by: HAMILTON HOUSE REAL ESTATE GROUP, LLC (buyer's brokerage)
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
This home sold on Jun 10, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines