Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

No photos available

This listing has no photos yet

Sold

Sold·Closed Aug 25, 2025·127 days on market

6505 Little Lilly Lake Road

Keystone Heights, FL 32656

$490,000sold priceListed at $539,000 · 90.9% of asking$233/sqftMLS# 2071643
4
Beds
2
Baths
2,100
Sq Ft
1979
Built
—
Garage
No
Pool
No HOA0.52 acresWaterfrontSingle Family Residence2 stories

About this home

Keystone Heights

Discover a rare gem on serene Lilly Lake! This two story, 4 bed, 2 bath home has 2100 sq ft of living space and sits on 0.517 acres of land with 80 feet on the water. Lilly Lake is perfect for swimming, boating, skiing, fishing, and paddle boarding. The home has two spacious living rooms with dining areas, one upstairs and one downstairs, both with beautiful views of the lake. There is a balcony off the upstairs kitchen and the home has a carport and lakeside porch. There is also a second home on the property which has 420 sq ft of living space with 1 bed and 1 bath. It is perfect for guests, in laws, or a private retreat. This unique lakefront haven offers endless possibilities for relaxation and recreation. Don't miss this exceptional opportunity!

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$2,714
Property taxesest. at asking price, Clay County$751
Estimated total, before insurance$3,465/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,856/yr · $238/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$490,000
$98,000
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Property taxes (est.): $751
Insurance (est.): $327
Estimated Total Monthly
$3,792
*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 1979)

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

Solar potential: ~1,561 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

2024 property taxes (current owner): $2,856/yr

Estimated taxes if purchased at asking price: ~$9,000/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 $187/sq ft; this home is listed at $257/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6761 County Road 214, Keystone Heights, FL 32656Listed by CHAD AND SANDY REAL ESTATE GROUPOct 2025$160,000$994/21,62020.2
8453 Nittany Drive, Melrose, FL 32666Listed by FIRST CHOICE REALTY OF NORTH FLORIDA, LLCApr 2026$385,000$2333/31,6541750.8
8093 Breezy Point Road E, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$260,000$1373/31,892700.8
6904 County Road 214, Melrose, FL 32666Listed by CW REALTYDec 2025$283,000$1873/21,51750.8
6192 County Rd 219, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INCDec 2025$615,000$2544/32,4182590.8
6930 County Road 214, Melrose, FL 32666Listed by EPIQUE REALTY, INCJun 2026$180,000$1213/21,488560.9

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$539,000
Price / Sq Ft$257
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,100
Acres0.52 acres
Year Built1979
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

Community Information

Address6505 Little Lilly Lake Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size22,520.52 sq ft
Parcel Number05092300534900000

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached Carport, Carport
ViewLake, Water
Waterfront TypeLake Front

Interior

AppliancesElectric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesFire Pit
RoofShingle
Other StructuresGuest House
Road SurfaceDirt

Additional Information

Date ListedFebruary 21, 2025
Days on Market127
Tax Amount$2,855.91
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TREVOR WATERS REALTY, INC.

Sold by: FLORIDA HOMES REALTY & MTG LLC (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 Aug 25, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines