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Sold·Closed May 6, 2025·59 days on market

6437 Baker Road

Keystone Heights, FL 32656

$500,000sold priceListed at $540,000 · 92.6% of asking$207/sqftMLS# 2065174
4
Beds
2.5
Baths
2,419
Sq Ft
1955
Built
—
Garage
No
Pool
No HOA0.83 acresWaterfrontSingle Family Residence2 stories

About this home

Keystone Heights

MOTIVATED SELLER!! Discover the perfect lakefront retreat on the much-desired Lake Hutchinson. This stunning property features 4 bedrooms and 2.5 baths, including a luxurious master suite conveniently located on the first floor. The master bath offers a relaxing jacuzzi tub, a spacious walk-in closet, and an oversized shower with dual showerheads. The open-concept layout is ideal for entertaining, with a modern kitchen boasting granite countertops and appliances that are all under two years old. A new AC unit was installed in April 2024, ensuring comfort year-round, as well as a New Well Pump in May, and ALL NEW Plumbing, Electrical & Duct Work were installed in 2009. Outside, enjoy an expansive back patio complete with a firepit and BBQ area, perfect for gatherings. The immediate backyard is fully fenced for added privacy and security. Surrounded by beautiful oak trees, this lakefront home offers a serene and picturesque setting. Don't miss the chance to own your slice of paradise!

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$2,770
Property taxesest. at asking price, Clay County$766
Estimated total, before insurance$3,536/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

$500,000
$100,000
Loan Term
Monthly Payment
$2,770
Principal & Interest: $2,770
Property taxes (est.): $766
Insurance (est.): $333
Estimated Total Monthly
$3,869
*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 1955)

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

Solar potential: ~1,470 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.

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 $180/sq ft; this home is listed at $223/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
8093 Breezy Point Road E, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$260,000$1373/31,892700.5
6306 Baker Road, Keystone Heights, FL 32656Listed by CB ISAAC REALTYMay 2026$339,500$1784/21,9061410.7
6249 Blue Marlin Drive, Keystone Heights, FL 32656Listed by KELLER WILLIAMS ST JOHNSDec 2025$410,000$1804/32,27270.9
7932 Breezy Point Road W, Melrose, FL 32666Listed by DOGWOOD REALTYAug 2026$503,000$1683/22,995101
6235 Blue Marlin Drive, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJun 2026$367,000$1843/22,0001091
6228 Blue Marlin Drive, Keystone Heights, FL 32656Listed by MAXREV, LLCMar 2026$395,000$2163/21,8282141

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$540,000
Price / Sq Ft$223
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,419
Total Structure Area2,922 sq ft
Acres0.83 acres
Year Built1955
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address6437 Baker Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size35,980.56 sq ft
Parcel Number32082300490700000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level

Exterior

Exterior FeaturesFire Pit
Patio / PorchCovered
FencingBack Yard
RoofMetal
Road SurfacePaved

Additional Information

Date ListedJanuary 16, 2025
Days on Market59
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CB ISAAC REALTY

Sold by: CB ISAAC 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 May 6, 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.

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