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Sold

Sold·Closed Jul 25, 2025·101 days on market

6099 Milligan Road

Keystone Heights, FL 32656

$179,990sold priceListed at $179,990 · 100% of asking$170/sqftMLS# 2076682
3
Beds
1
Baths
1,056
Sq Ft
1977
Built
—
Garage
No
Pool
No HOA0.82 acresWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Nicely updated home just minutes to the conveniences of Keystone Heights. Tranquil setting with beautiful views from the large backyard deck and bedrooms. Updated floors, kitchen, bathroom and much more. Metal roof, storm shutters are included. No CDD or HOA's. Seller offering $3000 for buyers closing cost.

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$997
Property taxesest. at asking price, Clay County$276
Estimated total, before insurance$1,273/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,395/yr · $116/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

$179,990
$35,998
Loan Term
Monthly Payment
$997
Principal & Interest: $997
Property taxes (est.): $276
Insurance (est.): $120
Estimated Total Monthly
$1,393
*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.

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): $1,395/yr

Estimated taxes if purchased at asking price: ~$3,300/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 $139/sq ft; this home is listed at $170/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6113 Milligan Road, Keystone Heights, FL 32656Listed by CENTURY 21 TRITON REALTYMar 2026$80,000$593/21,352470
8027 Valley Drive, Keystone Heights, FL 32656Listed by HATCH REALTY SERVICESDec 2025$137,000$1243/21,10400.4
8118 County Line Road, Melrose, FL 32666Listed by CB ISAAC REALTYSep 2025$270,000$2343/21,152480.7
8232 Swan Lake Road, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTYJan 2026$124,500$1372/29104120.8
6297 Hutchinson Avenue, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYFeb 2026$239,900$1893/21,267230.9
8186 County Line Road, Melrose, FL 32666Listed by HELEN HERSEY REALTYSep 2025$150,000$1392/21,080680.9

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$179,990
Price / Sq Ft$170
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,056
Acres0.82 acres
Year Built1977
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address6099 Milligan Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionHillcrest Highlands
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size35,719.2 sq ft
Parcel Number33082300521200000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway
ViewPond
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDryer, Electric Oven, Electric Water Heater, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile, Vinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionFew Trees
Patio / PorchCovered, Deck
FencingBack Yard, Chain Link, Wood
ConstructionWood Siding
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageCity Street

Additional Information

Date ListedMarch 20, 2025
Days on Market101
Tax Amount$1,394.58
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FUTURE HOME REALTY INC

Sold by: CHAD AND SANDY REAL ESTATE GROUP (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 Jul 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?

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