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Sold

Sold·Closed Jul 16, 2025·4 days on market

345 Orchid Avenue

Keystone Heights, FL 32656

$280,000sold priceListed at $275,000 · 101.8% of asking$206/sqftMLS# 2084034
3
Beds
2
Baths
1,362
Sq Ft
2005
Built
2
Garage
No
Pool
No HOASingle Family Residence1 story

About this home

Keystone Heights

Welcome to the most charming home near historic downtown keystone! Not only does this beauty offer an unbeatable location, just a short walk from shopping and schools- it also boasts an open floor plan that allows for seamless living and maximum comfort. The real highlight of this home is the covered back porch that overlooks the fenced back yard. You will notice adorable features such as pocket doors, lazy susan kitchen cabinets, and a bedroom window nooks with storage under the seat! The side car garage helps to keep the farmhouse curb appeal, while simultaneously supplying convenience and ease of use. This home is on city water and sewer!!! The master bath features a walk-in glass shower, garden tub with jets, dual vanity, and to top it all off... His and hers closets! You'll be delighted to have lower homeowners insurance because a new roof and HVAC system was installed in 2022, and a new water heater was installed in 2023!

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$1,551
Property taxesest. at asking price, Clay County$429
Estimated total, before insurance$1,980/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

$280,000
$56,000
Loan Term
Monthly Payment
$1,551
Principal & Interest: $1,551
Property taxes (est.): $429
Insurance (est.): $187
Estimated Total Monthly
$2,167
*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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real pool sun without the western afternoon heat.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2024$254,266$175,230—
2023$238,495$168,670—
2022$212,301$162,301—
2021$169,611$40,458—
2020$121,007$39,210—

Estimated taxes if purchased at asking price: ~$5,100/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 (2024), NEFMLS.

History

Price & status history

  • Apr 25, 2025Listed$275,000

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 $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLCOct 2026$224,800$1913/21,1761390.2
475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Oct 2026$185,000$1363/1.51,360460.2
465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$233,000$2133/21,092700.2
635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTYJul 2026$272,500$1953/21,39860.3
6771 Linwood Drive, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYSep 2026$275,000$2162/21,27440.6
7480 Paradise Lake Drive, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTYJul 2026$322,000$1844/21,7521480.6

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$275,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,362
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorthwest

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address345 Orchid Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionGinger Park
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Parcel Number19082302257500500

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingOff Street

Interior

AppliancesConvection Oven, Dishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedApril 26, 2025
Days on Market4
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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 16, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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