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Sold·Closed Jun 16, 2025·183 days on market

5056 Pinon Road

Keystone Heights, FL 32656

$288,440sold priceListed at $288,440 · 100% of asking$184/sqftMLS# 2049273
3
Beds
2
Baths
1,567
Sq Ft
1969
Built
3
Garage
No
Pool
No HOA1.16 acresSingle Family Residence1 story

About this home

Keystone Heights

Motivated seller dropped the price and will have all of the beautification completed for the open house SUNDAY, April 27, 12-3pm. Keep your family safe from Florida weather in this solid concrete block home with newer metal roof, HVAC and remodeled kitchen on 1.16 fenced acre. Property includes an 840 sqft 3-bay steel workshop/garage with a loft for storage, and an additional 600 sqft structure with power and water that will make a great entertainment den or possible ADU. Get ready to make a lifetime of memories starting out in a worry-free rural home. House is made of concrete block. Roof is made of metal. Electrical and plumbing were upgraded in a 2017. The septic drain field is only seven years old and pumped in 2023. Water softener included in sale. All of the structures are permitted. A termite bond on the property renews July 2025. All kitchen appliances are under seven years old. USDA, FHA, VA, Conventional loans accepted. Seller can close as fast or slow as needed.

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$1,598
Property taxesest. at asking price, Clay County$442
Estimated total, before insurance$2,040/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

$288,440
$57,688
Loan Term
Monthly Payment
$1,598
Principal & Interest: $1,598
Property taxes (est.): $442
Insurance (est.): $192
Estimated Total Monthly
$2,232
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Metal — year not disclosed (home built 1969)

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

Solar potential: ~1,495 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 home

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $1,117/yr

Estimated taxes if purchased at asking price: ~$5,300/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 $214/sq ft; this home is listed at $184/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6745 Damascus Road, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCSep 2026$245,000$2134/21,1521350.9
5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLCAug 2026$269,900$1355/32,000130.9
7436 Caribbean Circle, Keystone Heights, FL 32656Listed by GOLD KEY REALTY OF JAX, INCJan 2026$190,000$1363/21,4001981
5338 County Road 352, Keystone Heights, FL 32656Listed by ONE REALTY CORPJun 2026$340,000$2143/21,589341.2
5687 Cibola Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYFeb 2026$335,000$2213/21,515151.2
5729 Chippewa Avenue, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJan 2026$330,000$2183/21,515431.2

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$288,440
Price / Sq Ft$184
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,567
Total Structure Area1,615 sq ft
Acres1.16 acres
Year Built1969
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address5056 Pinon Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionRural
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size50,529.6 sq ft
Lot Dimensions115X440
Parcel Number18082400720900000

Amenities

UtilitiesCable Connected, Electricity Connected, Other
SewerSeptic Tank
Water SourceWell
ParkingDetached, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar
AppliancesElectric Oven, Electric Range, ENERGY STAR Qualified Dishwasher, Microwave, Water Softener Owned
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

RoofMetal

Additional Information

Date ListedApril 8, 2025
Days on Market183
Tax Amount$1,117.49
Tax Year2023
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: INI REALTY (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

Krista Fracke

Broker Associate

This home sold on Jun 16, 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?

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