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Sold

Sold·Closed Nov 24, 2025·10 days on market

7556 Osceola Avenue

Keystone Heights, FL 32656

$229,900sold priceListed at $229,900 · 100% of asking$112/sqftMLS# 2108592
4
Beds
2
Baths
2,052
Sq Ft
1999
Built
—
Garage
No
Pool
No HOA1.28 acresManufactured Home1 story

About this home

Keystone Heights

This is the one you've been waiting for. This tastefully renovated 4/2 offers over 2,000sqft of living space on 1.275 wooded acres in Big Tree Lakes. All with a price that doesn't make your eyes pop! Less than a 1/4 mile off the paved road, you will enjoy country living amongst the sprawling oak trees, while still being just minutes away from shopping, dining, local schools, and thriving lakes. The granite-adorned kitchen makes entertaining a breeze with its open concept design. A bonus space off the owner's suite is currently being utilized as a home gym, but could also make a great home office. Roof, HVAC, and porches were replaced in 2022, as well as electrical updates. Shed wired for electric also included with sale.

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$1,273
Property taxesest. at asking price, Clay County$352
Estimated total, before insurance$1,626/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,358/yr · $196/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

$229,900
$45,980
Loan Term
Monthly Payment
$1,273
Principal & Interest: $1,273
Property taxes (est.): $352
Insurance (est.): $153
Estimated Total Monthly
$1,779
*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 1999)

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

Solar potential: ~1,620 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:31 AM, sunset 6:55 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.

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

2024 property taxes (current owner): $2,358/yr

Estimated taxes if purchased at asking price: ~$4,200/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 $164/sq ft; this home is listed at $112/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7550 Monongahela Avenue, Keystone Heights, FL 32656Listed by TEAM DURGIN REALTY INCAug 2026$520,000$2034/2.52,5641990.2
5579 Deerlodge Court, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$249,900$1153/22,176160.2
5468 Jefferson Street, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCJun 2026$262,399$1743/21,51220.2
5533 Coronado Street, Keystone Heights, FL 32656Listed by MAXREV, LLCJun 2026$355,000$1645/32,160420.2
5641 Silver Sands, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYAug 2026$300,000$1325/32,280200.5
7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLCOct 2026$285,000$1255/32,280160.6

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$229,900
Price / Sq Ft$112
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,052
Acres1.28 acres
Year Built1999
TypeResidential
Sub-TypeManufactured Home
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesNortheast

School Information

ElementaryMcrae
HighKeystone Heights

Community Information

Address7556 Osceola Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionBig Tree Lakes
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size55,539 sq ft
Parcel Number14082300143786449
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway
ViewTrees/Woods

Interior

Interior FeaturesKitchen Island, Primary Bathroom -Tub with Separate Shower
AppliancesElectric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Lot DescriptionWooded, Other
FencingOther
RoofMetal
ConstructionVinyl Siding
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedSeptember 12, 2025
Days on Market10
Tax Amount$2,357.79
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CW REALTY

Sold by: STELLAR PROPERTIES OF NORTH FL (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 Nov 24, 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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