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Sold·Closed Oct 31, 2025·131 days on market
7704 Clover Lane
Keystone Heights, FL 32656
About this home
Keystone Heights
Packed with charm and serious curb appeal, this spacious brick home brings the wow factor inside and out! Picture this- having morning coffee on your huge back deck, surrounded by your massive backyard, where the possibilities are endless, full of shady trees, lush landscaping and your own pomelo tree- packed with fruit ripe for the picking, not to mention tasty. Need some room to park your boat or RV, maybe wanting to add a pool- this back yard will handle both with extreme ease. Host epic BBQs, then relax in your expansive family room with a full stone wall & fireplace built into the stone that begs for cozy nights by the fire, or competition fueled boardgame battles. Metal roof (2011) has tons of life left, brand-new HVAC (May 2024), full re-plumb, fresh paint throughout, and a stylish, handicap-accessible master bath check all the boxes. NO HOA, NO CDD ***Some photos have been virtually staged***
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2011 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,464 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 homeThis 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.
Closest park or preserve
Mike Roess Gold Head Branch State Parkabout 7 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 3 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 6 mi · Little Lake Johnson
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): $1,389/yr
Estimated taxes if purchased at asking price: ~$5,400/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 $175/sq ft; this home is listed at $154/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7877 State Road 21, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATE | Mar 2026 | $399,990 | $161 | 3/4 | 2,482 | 87 | 0.1 |
| 1339 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $488,500 | $200 | 4/3 | 2,446 | 6 | 0.2 |
| 220 SW Grove Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $273,000 | $175 | 4/2 | 1,560 | 169 | 0.3 |
| 7572 Golf Street, Keystone Heights, FL 32656Listed by KELLAR REALTY AND PROPERTY MANAGEMENT INC | Apr 2026 | $57,500 | $39 | 3/2 | 1,456 | 25 | 0.5 |
| 635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTY | Jul 2026 | $272,500 | $195 | 3/2 | 1,398 | 6 | 0.6 |
| 7550 Golf Street, Keystone Heights, FL 32656Listed by CW REALTY | Mar 2026 | $179,000 | $114 | 4/2 | 1,575 | 23 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 31, 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
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