Active·345 days on market
6490 Woodland Drive
Keystone Heights, FL 32656
About this home
Keystone Heights
LAKEFRONT BEAUTY! This amazing lakefront home offers the perfect blend of charm, comfort, and convenience—just minutes from town and zoned for great schools. Step into the spacious, open floorplan...the updated kitchen has lovely white cabinetry, nice counters, and SS appliances. The inviting living room showcases a floor-to-ceiling stone fireplace with a cedar mantle, and a stunning worm-wood cypress accent wall. French doors open to a large 20x18 covered porch with classic white railings and the peaceful views of Lake Brooklyn. The oversized master suite is a private retreat with lake views, and its own set of French doors to the backyard, and a spa-like bathroom complete with separate vanities, a bidet, and another set of sliding glass doors that lead outside. The lake level has been rising dramatically & will continue to do so. Now is the time to get your best deal on the water as they continue to improve! Close proximity to JAX and Gainesville, but w/o giving up the country!
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $390,183 | $154,144 | — |
| 2024 | $366,169 | $149,093 | — |
| 2023 | $323,959 | $143,295 | — |
| 2022 | $250,251 | $137,666 | — |
| 2021 | $204,179 | $132,200 | — |
| 2020 | $194,717 | $129,685 | — |
2024 property taxes (current owner): $2,752/yr
Estimated taxes if purchased at asking price: ~$9,100/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water · Clay County Utilities
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,403 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Aug 4, 2025Listed$495,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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