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Sold

Sold·Closed Sep 12, 2025·62 days on market

361 SE 34th Street

Keystone Heights, FL 32656

$450,000sold priceListed at $475,000 · 94.7% of asking$135/sqftMLS# 2092697
4
Beds
2
Baths
3,341
Sq Ft
1988
Built
2
Garage
No
Pool
No HOASingle Family Residence1 story

About this home

Keystone Heights

Welcome home to this stunning all-brick beauty that perfectly blends privacy, space, and style. Nestled in a convenient yet tucked-away location, this home offers the best of both worlds—easy access to everything you need while still feeling like your own private sanctuary all nestled on a spacious one acre lot. Step into the inviting foyer and immediately notice the high-end upgrades throughout, including beautiful flooring, gleaming granite countertops, and sleek stainless steel appliances. Love to entertain? This impressively spacious home offers a generous 3,341 square feet of well-designed living space, providing room for everyone and then some! You'll fall in love with the beautifully updated kitchen that flows effortlessly into the expansive family room—perfect for game nights, birthday parties, or cozy evenings at home.

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$2,493
Estimated total, before insurance$2,493/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

$450,000
$90,000
Loan Term
Monthly Payment
$2,493
Principal & Interest: $2,493
Insurance (est.): $300
Estimated Total Monthly
$2,793
*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: Metal — year not disclosed (home built 1988)

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

Solar potential: ~1,408 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 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 $193/sq ft; this home is listed at $142/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
378 SE 34th Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Apr 2026$600,000$2283/22,636140
7877 State Road 21, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEMar 2026$399,990$1613/42,482870.6
7883 State Road 21, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJun 2025$365,000$1522/2.52,4071850.6
7700 Clover Lane, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCAug 2025$485,000$1844/32,6351410.7
1339 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$488,500$2004/32,44660.8
1326 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCOct 2025$540,000$1933/22,7916050.8

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$475,000
Price / Sq Ft$142
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage3,341
Total Structure Area4,357 sq ft
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address361 SE 34th Street, Keystone Heights, FL 32656
Area523-Bradford County-SE
SubdivisionMetes & Bounds
CityKeystone Heights
CountyBradford
StateFL
Zip Code32656
Parcel Number06034-0-00113

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesOutdoor Kitchen, Other
Patio / PorchPatio
FencingBack Yard
RoofMetal
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedJune 11, 2025
Days on Market62
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CB ISAAC REALTY

Sold by: KELLER WILLIAMS GAINESVILLE REALTY PARTNERS (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 12, 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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