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Sold

Sold·Closed Jul 30, 2025·6 days on market

6907 Gatorbone Road

Keystone Heights, FL 32656

$310,000sold priceListed at $299,000 · 103.7% of asking$222/sqftMLS# 2094680
3
Beds
2
Baths
1,396
Sq Ft
1963
Built
—
Garage
No
Pool
No HOA0.84 acresWaterfrontSingle Family Residence2 stories

About this home

Keystone Heights

Welcome to your home, nestled on the tranquil shores full of wildlife on Gator Bone Lake in Keystone Heights. This freshly updated 3-bedroom, 2-bathroom, 2-story residence offers 1,396 square feet of modern living space, perfectly positioned on .84 acres of high and dry land. Enjoy quiet mornings or evenings on a back porch overlooking nature while being in the trees. Inside this home features Granite Countertops, Stainless Steel Appliances, Luxury Vinyl Plank floors, and updated bathrooms, with two bedrooms upstairs, and an additional living area downstairs with one bedroom and a bonus room. This property also features an attached storage room that would make a perfect workshop. This property also features brand new sod and asphalt milling driveway.

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$1,717
Property taxesest. at asking price, Clay County$475
Estimated total, before insurance$2,192/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,100/yr · $258/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

$310,000
$62,000
Loan Term
Monthly Payment
$1,717
Principal & Interest: $1,717
Property taxes (est.): $475
Insurance (est.): $207
Estimated Total Monthly
$2,399
*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: Metal — year not disclosed (home built 1963)

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

Solar potential: ~1,630 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): $3,100/yr

Estimated taxes if purchased at asking price: ~$5,700/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 $212/sq ft; this home is listed at $214/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5857 White Sands Road, Keystone Heights, FL 32656Listed by WATSON REALTY CORPMar 2026$235,000$2132/11,104530.4
7065 Gatorbone Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCDec 2025$227,000$1433/21,590910.5
5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJul 2026$360,000$2003/21,800280.6
5299 County Road 352 Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$325,000$2212/21,470510.6
5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJun 2026$275,000$1533/11,8002140.7
5294 County Road 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYApr 2026$320,000$2123/21,512870.7

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$299,000
Price / Sq Ft$214
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,396
Total Structure Area1,656 sq ft
Acres0.84 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address6907 Gatorbone Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionGatorbone
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size36,590.4 sq ft
Parcel Number11082300128900000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingUnassigned
ViewLake
Waterfront TypeLake Front

Interior

AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories2

Exterior

Patio / PorchDeck
RoofMetal
Other StructuresWorkshop
Road SurfaceDirt

Additional Information

Date ListedJune 21, 2025
Days on Market6
Tax Amount$3,099.5
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TREVOR WATERS REALTY, INC.

Sold by: TREVOR WATERS REALTY, INC. (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 Jul 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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