No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Oct 21, 2025·54 days on market
3901 State Rd 21
Keystone Heights, FL 32656
About this home
Keystone Heights
Breathtaking, Fully Renovated Lake Geneva Waterfront Retreat! Step into serenity with this beautifully updated lakefront home. Enjoy peaceful evenings and unforgettable sunrises from your private dock. Whether you're looking for a primary residence, luxurious snowbird escape or a profitable vacation rental, this home delivers. Flexible floor plan includes a finished bonus space with its own A/C, perfect as a 4th bedroom, home office, or in-law suite. Plus, there's an easy option to add a 3rd bathroom, increasing functionality and value. The oversized detached 2-car garage has been transformed into a stylish photography studio and could easily be re-imagined as a game room, she-shed, guest quarters, or converted back to a garage/workshop. One of the best priced turnkey lakefront homes on the market and probably THE BEST lakefront value at just $215/SQFT! Don't miss your chance to own a slice of Lake Geneva paradise.
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 — year not disclosed (home built 1959)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,602 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.
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 4 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 7 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): $6,367/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. 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 $198/sq ft; this home is listed at $216/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 241 SE 35th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Nov 2025 | $450,000 | $198 | 4/3 | 2,272 | 25 | 0.2 |
| 433 SE 34th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $421,000 | $185 | 4/3 | 2,272 | 61 | 0.3 |
| 7877 State Road 21, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATE | Mar 2026 | $399,990 | $161 | 3/4 | 2,482 | 87 | 0.3 |
| 378 SE 34th Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Apr 2026 | $600,000 | $228 | 3/2 | 2,636 | 14 | 0.4 |
| 6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Nov 2025 | $375,000 | $208 | 3/2 | 1,804 | 347 | 0.4 |
| 7704 Clover Lane, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLC | Oct 2025 | $294,000 | $151 | 3/3 | 1,944 | 131 | 0.4 |
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: EPIQUE REALTY, INC
Sold by: CB ISAAC REALTY (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.
Keep looking
Similar homes in Keystone Heights
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 21, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines