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Sold

Sold·Closed Nov 7, 2025·347 days on market

6836 Womans Club Drive

Keystone Heights, FL 32656

$375,000sold priceListed at $390,000 · 96.2% of asking$208/sqftMLS# 2053500
3
Beds
2
Baths
1,804
Sq Ft
1996
Built
—
Garage
Yes
Pool
No HOA1.80 acresSingle Family Residence1 story

About this home

Keystone Heights

This delightful brick pool home sits on a spacious 1.8-acre lot in the heart of Keystone Heights. The 3 BR, 2BA home offers a perfect blend of comfort and convenience and offers a serene setting while still being close to the amenities of Keystone Heights. Sunken living room with vaulted ceiling features gas fireplace for those cool evenings. 30 x 15 screened pool perfect for entertaining. 2-carport with electric and water. Within walking distance to both high school and elementary school. Storage buildings...well water. Lots of updates within the past 3 years, paint, kitchen counter top, updates in master bath, led lights, new blinds, ie. Pool rescreened. Metal roof 2023. The area offers numerous lakes, parks and recreation areas, airport, golf course, full time fire station and EMT's, Santa Fe Community College, The Rally International Driving School, Electric charging station at City Hall (Keystone Heights). A quaint downtown area where resident's shop.

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$2,077
Property taxesest. at asking price, Clay County$575
Estimated total, before insurance$2,652/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

$375,000
$75,000
Loan Term
Monthly Payment
$2,077
Principal & Interest: $2,077
Property taxes (est.): $575
Insurance (est.): $250
Estimated Total Monthly
$2,902
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,709 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.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $2,863/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

History

Price & status history

  • Oct 24, 2024Listed$390,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $195/sq ft; this home is listed at $216/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
484 SE 44th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTYAug 2026$280,000$2083/21,3441430.5
475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Oct 2026$185,000$1363/1.51,360460.6
4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTYSep 2026$357,000$1772/22,015210.6
618 SE 44th Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$300,000$1842/21,6332870.6
692 SE 41st Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$295,000$2193/21,344140.6
635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTYJul 2026$272,500$1953/21,39860.6

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$390,000
Price / Sq Ft$216
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,804
Acres1.80 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Carport Spaces2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address6836 Womans Club Drive, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionKeystone Heights
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size78,408 sq ft
Parcel Number19082302273300400
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Available
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway, Detached Carport

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit
Spa FeaturesIn Ground

Exterior

Patio / PorchFront Porch
RoofMetal
ConstructionBrick
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedOctober 24, 2024
Days on Market347
Tax Amount$2,862.63
Tax Year2023
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HELEN HERSEY REALTY

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 Nov 7, 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.

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20+ years · 500+ closings · NE Florida

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