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Sold

Sold·Closed May 20, 2025·0 days on market

4910 SE 10th Place

Keystone Heights, FL 32656

$405,000sold priceListed at $405,000 · 100% of asking$244/sqftMLS# 2088732
3
Beds
2
Baths
1,657
Sq Ft
2025
Built
2
Garage
No
Pool
HOA $4/mo0.66 acresSingle Family Residence1 storyNew construction

About this home

Keystone Heights

This stunning 3-bedroom, 2-bath Denmark Builders home is nestled in the sought-after Southern Oaks community, where every home is thoughtfully crafted. Enjoy the open, airy feel of cathedral ceilings in the living area, complemented by granite countertops and vinyl plank flooring throughout. The thoughtfully designed layout features a spacious primary suite with a walk-in closet and a luxurious tiled shower. Additional bedrooms offer comfort and functionality, while the stylish finishes throughout create a modern, inviting atmosphere. With a one-year builder warranty, this home provides peace of mind as you settle into your dream home. Only five lots are available in Southern Oaks, don't miss the chance to join this beautiful new community!

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$2,243
HOAbilled annually$4
Estimated total, before insurance$2,247/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

$405,000
$81,000
Loan Term
Monthly Payment
$2,243
Principal & Interest: $2,243
Insurance (est.): $270
Estimated Total Monthly
$2,513
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; 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 2025)

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

Solar potential: ~1,656 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.

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 $213/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4193 SE 8th Avenue, Melrose, FL 32666Listed by CW REALTYJun 2026$249,900$1783/21,404780.8
4141 SE 8th Avenue, Melrose, FL 32666Listed by TREVOR WATERS REALTY, INC.Oct 2025$320,000$2133/21,5001710.8
692 SE 41st Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$295,000$2193/21,344140.9
618 SE 44th Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$300,000$1842/21,6332871
653 SE 44th Street, Keystone Heights, FL 32656Listed by WATSON REALTY CORPJul 2026$295,000$2403/21,230381
553 SE 42 Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$262,000$2123/21,234211

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$405,000
Price / Sq Ft$244
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,657
Total Structure Area2,630 sq ft
Acres0.66 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleBradford
HighBradford

Community Information

Address4910 SE 10th Place, Keystone Heights, FL 32656
Area523-Bradford County-SE
SubdivisionSouthern Oaks
CityKeystone Heights
CountyBradford
StateFL
Zip Code32656
Lot Size28,749.6 sq ft
Parcel Number05818-A-00700

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage
ViewTrees/Woods

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Split Bedrooms, Vaulted Ceiling(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
FireplaceYes
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt

Additional Information

Date ListedMay 20, 2025
Days on Market0
HOA Fees$50 / Annually
HOA FrequencyAnnually
HOA Fee IncludesOther
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CB ISAAC REALTY

Sold by: NON MLS (realMLS) (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 May 20, 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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