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Sold

Sold·Closed Mar 23, 2026·169 days on market

220 SW Grove Street

Keystone Heights, FL 32656

$273,000sold priceListed at $299,900 · 91% of asking$175/sqftMLS# 2108349
4
Beds
2
Baths
1,560
Sq Ft
1979
Built
—
Garage
Yes
Pool
No HOA6,970 sqft lotSingle Family Residence1 story

About this home

Keystone Heights

Welcome to this well maintained and updated pool home near downtown Keystone Heights and the schools! Fully updated kitchen, large laundry room and flex room that can be used as a game room or fourth bedroom (has walk in closet). No carpet, the flooring is LVP and ceramic tile. Screen enclosed pool in the private back yard. Outside storage shed provides a place for pool toys, lawn and sports equipment. Updated roof (2019), surround sound, Lutron Caseta lighting (control lights from your phone if desired) and Reolink outdoor security camera system will convey. This home is priced to sell!

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$1,512
Property taxesest. at asking price, Clay County$418
Estimated total, before insurance$1,931/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,465/yr · $205/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

$273,000
$54,600
Loan Term
Monthly Payment
$1,512
Principal & Interest: $1,512
Property taxes (est.): $418
Insurance (est.): $182
Estimated Total Monthly
$2,112
*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: Shingle — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,611 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): $2,465/yr

Estimated taxes if purchased at asking price: ~$5,000/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 $191/sq ft; this home is listed at $192/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTYJul 2026$272,500$1953/21,39860.4
430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLCOct 2026$224,800$1913/21,1761390.5
475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Oct 2026$185,000$1363/1.51,360460.6
465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$233,000$2133/21,092700.6
420 Palmetto Avenue, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$275,000$1632/21,686990.6
7480 Paradise Lake Drive, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTYJul 2026$322,000$1844/21,7521480.9

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$299,900
Price / Sq Ft$192
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,560
Total Structure Area1,955 sq ft
Acres0.16 acres
Year Built1979
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address220 SW Grove Street, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionLakeview Highlands
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size6,969.6 sq ft
Lot Dimensions50x142
Parcel Number30082302232300200
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingOther

Interior

Interior FeaturesPrimary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionFew Trees
FencingChain Link
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 17, 2026
Days on Market169
Tax Amount$2,465
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: FLORIDA HOMES REALTY & MTG LLC (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 Mar 23, 2026. 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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