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Sold

Sold·Closed Sep 30, 2025·134 days on market

5849 County Road 315C

Keystone Heights, FL 32656

$850,000sold priceListed at $1,190,000 · 71.4% of asking$308/sqftMLS# 2086019
3
Beds
3.5
Baths
2,756
Sq Ft
2003
Built
—
Garage
No
Pool
No HOA30.30 acresWaterfrontSingle Family Residence2 stories

About this home

Keystone Heights

Stunning 2-Story Sater Design Home on 30 Acres in Keystone, FL! Welcome to your private retreat on 30 sprawling acres in beautiful Keystone, Florida! This exquisite 2,756 sq ft Sater Design home offers the perfect blend of luxury and functionality, featuring 3 spacious bedrooms, 3.5 bathrooms, and high-end finishes throughout that include travertine flooring on the main level, a chef's kitchen, a designated office with built ins, wet bar on the second level, whirlpool tub in the primary bathroom, and so much more! Step inside to discover a thoughtfully designed layout with the primary bedroom conveniently located on the main floor and two upstairs bedrooms—each with their own en-suite bath—offering comfort and privacy for everyone. Take in sweeping views of your land from the second-story balcony, ideal for morning coffee or sunset relaxation. With a brand-new roof and fresh exterior paint, this home is move-in ready. Outdoors, the possibilities are endless—create your dr

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$4,708
Property taxesest. at asking price, Clay County$1,303
Estimated total, before insurance$6,011/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,916/yr · $410/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

$850,000
$170,000
Loan Term
Monthly Payment
$4,708
Principal & Interest: $4,708
Property taxes (est.): $1,303
Insurance (est.): $567
Estimated Total Monthly
$6,577
*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 2003)

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

Solar potential: ~1,612 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): $4,916/yr

Estimated taxes if purchased at asking price: ~$15,600/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.

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 $219/sq ft; this home is listed at $432/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4924 Shady Creek Drive, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYOct 2025$555,000$2444/32,272190.6
6060 County Road 315C, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCJan 2026$460,000$2324/2.51,980410.8
5762 Retreat Road, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2025$285,896$1345/32,128201.2
5970 Plantation Court, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYJul 2026$499,000$2194/22,280191.3
5070 Mendoza Trail, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCDec 2025$345,000$1773/21,950201.6
6265 Golden Oak Lane, Keystone Heights, FL 32656Listed by MOMENTUM REALTYSep 2025$275,000$1204/22,29411.7

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

Price$1,190,000
Price / Sq Ft$432
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,756
Acres30.30 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address5849 County Road 315C, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size1,319,868 sq ft
Parcel Number20072400691000401

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Off Street, Other
Waterfront TypeCreek, Pond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Wet Bar
AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Terrazzo, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink

Exterior

Exterior FeaturesBalcony
Lot DescriptionAgricultural
Patio / PorchAwning(s), Covered, Front Porch, Porch, Rear Porch, Side Porch
FencingFull
RoofShingle
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedMay 6, 2025
Days on Market134
Tax Amount$4,916.03
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

Sold by: EXIT INSPIRED REAL ESTATE (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 Sep 30, 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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