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Sold·Closed Sep 19, 2025·222 days on market

4775 Gadara Road

Keystone Heights, FL 32656

$723,000sold priceListed at $769,000 · 94% of asking$387/sqftMLS# 2052178
3
Beds
2.5
Baths
1,867
Sq Ft
2004
Built
2
Garage
No
Pool
No HOA20.45 acresSingle Family Residence2 stories

About this home

Keystone Heights

Welcome to your dream country home! This stunning 2 story house sits on over 20 acres, cleared and fenced in the middle of majestic trees and pasture, perfect for horses and livestock. The charming front porch is the ideal spot to enjoy your morning coffee while taking in the peaceful surroundings. Cozy up to the floor to ceiling fireplace in the winter or take a dip in the sparkling pool in the summer. The property includes two large barns (20x40) & (40x80), both equipped with electric and water, as well as a round pen, making this a horse lover's paradise. Two car garage with built in cabinets for ample storage and a long, private driveway with lights for added security. Staircase has been updated to wood, plantation shutters surround every window, and living room features added built ins. New well pump, new water softener. This property has SO much potential and has been recently used as a wedding venue. Don't miss out! Schedule your showing today!!

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$4,005
Property taxesest. at asking price, Clay County$1,108
Estimated total, before insurance$5,113/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

$723,000
$144,600
Loan Term
Monthly Payment
$4,005
Principal & Interest: $4,005
Property taxes (est.): $1,108
Insurance (est.): $482
Estimated Total Monthly
$5,595
*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: Shingle — year not disclosed (home built 2004)

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

Solar potential: ~1,690 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

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): $3,736/yr

Estimated taxes if purchased at asking price: ~$13,300/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 $172/sq ft; this home is listed at $412/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4722 Gadara Road, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCFeb 2026$259,900$1723/21,51220.2
4710 Gadara Road, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCDec 2025$259,900$1723/21,512320.3
4716 Gadara Road, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCNov 2025$262,900$1743/21,51240.3
4441 Station Free Way, Keystone Heights, FL 32656Listed by MOMENTUM REALTYDec 2025$240,000$1384/21,740371.2
4441 Station Free Way, Keystone Heights, FL 32656Listed by MOMENTUM REALTYAug 2025$169,100$973/41,74001.2
5056 Pinon Road, Keystone Heights, FL 32656Listed by WATSON REALTY CORPJun 2025$288,440$1843/21,5671831.3

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$769,000
Price / Sq Ft$412
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,867
Acres20.45 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
# of Carport Spaces2
Has PoolNo
Pool FeaturesAbove Ground
Is WaterfrontNo

Community Information

Address4775 Gadara Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size890,802 sq ft
Parcel Number09082400702700200

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport, Garage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Dryer, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySecurity Gate

Exterior

Lot DescriptionAgricultural, Cleared
Patio / PorchCovered, Front Porch, Porch, Rear Porch
FencingFenced, Full
RoofShingle
Other StructuresBarn(s), Shed(s)
Road FrontagePrivate Road

Additional Information

Date ListedOctober 16, 2024
Days on Market222
Tax Amount$3,735.54
Tax Year2023
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CW REALTY

Sold by: WALTER WILLIAMS PROPERTIES, INC (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 Sep 19, 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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