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Sold·Closed Apr 24, 2025·144 days on market
7284 County Rd 315
Keystone Heights, FL 32656
About this home
Keystone Heights
UPDATE** 1 acre lake front home with 311 feet of picturesque waterfront. Home has been updated with a termite bond, updated plumbing, fresh exterior paint (Nov 2024), a newer AC unit (Aug 2023), a new roof (June 2022). Fence will be added for privacy. For outdoor enthusiasts, the area boasts access to nearby lakes, Belmore State Forest, and Gold Head State Park. **Lender offers 1% of loan amt. toward rate buydown or closing costs when you choose Daniel Halvorsen, SVP LoanPeople JAX at LoanPeople. This offer expires 03/26/2025. Lender incentive limited to max. allowable third-party contributions.* Seller is open to owner financing with acceptable terms
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 (that applies to the reference bill above too).
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 1966)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,184 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
Alpine Groves Parkabout 25 mi · 1 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 7 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 3 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $1,893/yr
Estimated taxes if purchased at asking price: ~$3,600/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
- Dec 1, 2024Listed$198,900
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 $212/sq ft; this home is listed at $180/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4624 Bellamy Road, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Jun 2025 | $262,090 | $248 | 2/1.5 | 1,056 | 76 | 0.7 |
| 1784 Bellamy Road, Florahome, FL 32140Listed by TREVOR WATERS REALTY, INC. | Sep 2025 | $275,000 | $212 | 3/2 | 1,296 | 3 | 1 |
| 183 Ranchette Circle, Florahome, FL 32140Listed by MOMENTUM REALTY | Nov 2025 | $245,000 | $182 | 3/2 | 1,344 | 7 | 1.3 |
| 7655 Long Lake Road, Keystone Heights, FL 32656Listed by WATSON REALTY CORP | May 2026 | $255,000 | $197 | 3/2 | 1,292 | 24 | 1.4 |
| 5125 County Road 214, Keystone Heights, FL 32656Listed by 1 REALTY CORP | Jul 2025 | $250,000 | $186 | 3/2 | 1,344 | 8 | 1.6 |
| 6745 Damascus Road, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INC | Sep 2026 | $245,000 | $213 | 4/2 | 1,152 | 135 | 1.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
Sold by: COLDWELL BANKER VANGUARD 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 24, 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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines