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Sold

Sold·Closed Jun 5, 2026·214 days on market

5557 County Road 352

Keystone Heights, FL 32656

$275,000sold priceListed at $275,000 · 100% of asking$153/sqftMLS# 2108865
3
Beds
1
Baths
1,800
Sq Ft
1960
Built
—
Garage
No
Pool
No HOA0.85 acresWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

''BACK ON THE MARKET'' Buyers financing fell through. Sellers will contribute $10,000 towards 2nd bathroom or closing costs with an approved offer by the sellers. DON'T MISS OUT! This fully remodeled and fully upgraded 3/1 home on White Sands lake with almost an acre of land, is waiting for new buyers. The home features a newer roof, electric panel, fiber optic internet and a newer septic line. Fully upgraded kitchen and appliances. Luxury LVP throughout the house with a new Aquasauna water softener. New windows and paint inside and out. Perfect for boating or fishing. You must see it to believe it. Schedule a tour now.

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$1,523
Property taxesest. at asking price, Clay County$421
Estimated total, before insurance$1,945/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,302/yr · $109/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

$275,000
$55,000
Loan Term
Monthly Payment
$1,523
Principal & Interest: $1,523
Property taxes (est.): $421
Insurance (est.): $183
Estimated Total Monthly
$2,128
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$156,327$156,327—
2024$156,131$52,497—
2023$135,122$49,512—
2022$119,918$46,614—
2021$105,737$43,800—
2020$103,994$42,505—

2024 property taxes (current owner): $1,302/yr

Estimated taxes if purchased at asking price: ~$5,100/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.

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 $186/sq ft; this home is listed at $153/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5670 Acadia Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYJul 2026$265,000$1753/21,512500.5
5893 White Sands Road, Keystone Heights, FL 32656Listed by THE WILKINS WAYJul 2026$525,000$2583/32,0371410.6
5641 Silver Sands, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYAug 2026$300,000$1325/32,280200.8
5792 Bryce Street, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCJul 2025$259,900$1723/21,510130.8
5338 County Road 352, Keystone Heights, FL 32656Listed by ONE REALTY CORPJun 2026$340,000$2143/21,589340.9
5648 Silver Sands Circle, Keystone Heights, FL 32656Listed by CW REALTYDec 2025$339,000$1863/31,82040.9

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$275,000
Price / Sq Ft$153
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,800
Acres0.85 acres
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address5557 County Road 352, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionWhite Sands
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size37,026 sq ft
Parcel Number11082300111400000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
Waterfront TypeLake Front

Interior

AppliancesElectric Range, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedMarch 17, 2026
Days on Market214
Tax Amount$1,302.07
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CB ISAAC 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

Krista Fracke

Broker Associate

This home sold on Jun 5, 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

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.

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