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Sold·Closed Aug 20, 2025·32 days on market
645 Shady Lane
Keystone Heights, FL 32656
About this home
Keystone Heights
Welcome to this beautiful 3 bedroom, 2 bath brick charmer just steps from Keystone Heights Elementary! Nestled on a gorgeous lot, this home blends comfort, style, and smart upgrades. The kitchen is a standout with stunning copper countertops, new sink, nearly-new stainless steel appliances, and an extra-large pantry. Enjoy peace of mind with a brand new water heater, an energy-efficient attic ventilation system, new roof in 2017, HVAC system replaced in 2017 & upgraded in 2022 with UV filtration & duct cleaning. Cozy up by the eye-catching brick fireplace, perfect for chilly nights. Inside, you'll find spacious rooms & closets throughout, a charming window seat with hidden storage in the third bedroom, & thoughtful design details that make this home truly special. Step outside to a peaceful backyard with a storage shed and a convenient outdoor shower ideal for Florida living! This move in ready home is a rare find in a prime location don't miss your chance to make it yours!
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: Shingle — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,527 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 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.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $156,400 in February 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $180,319 | $180,319 | — |
| 2024 | $178,664 | $175,169 | — |
| 2023 | $159,245 | $159,245 | — |
| 2022 | $142,717 | $135,173 | — |
| 2021 | $122,885 | $122,885 | — |
| 2020 | $116,213 | $116,213 | — |
2024 property taxes (current owner): $3,664/yr
Estimated taxes if purchased at asking price: ~$4,600/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 (2025), 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 $208/sq ft; this home is listed at $136/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTY | Jul 2026 | $272,500 | $195 | 3/2 | 1,398 | 6 | 0.1 |
| 475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Oct 2026 | $185,000 | $136 | 3/1.5 | 1,360 | 46 | 0.4 |
| 345 Orchid Avenue, Keystone Heights, FL 32656Listed by EXP REALTY LLC | Jul 2025 | $280,000 | $206 | 3/2 | 1,362 | 4 | 0.4 |
| 6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Nov 2025 | $375,000 | $208 | 3/2 | 1,804 | 347 | 0.6 |
| 7465 Donald Street, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $300,000 | $231 | 3/2 | 1,301 | 92 | 0.7 |
| 6771 Linwood Drive, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $275,000 | $216 | 2/2 | 1,274 | 4 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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
This home sold on Aug 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines