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Sold

Sold·Closed Dec 17, 2025·91 days on market

7065 Gatorbone Road

Keystone Heights, FL 32656

$227,000sold priceListed at $225,000 · 100.9% of asking$143/sqftMLS# 2108908
3
Beds
2
Baths
1,590
Sq Ft
1972
Built
2
Garage
No
Pool
No HOA0.96 acresSingle Family Residence1 story

About this home

Keystone Heights

Adorable home nestled on almost one acre with attached garage and circular driveway. The same owners have loved and maintained this home for the past 25 years. Solid CB construction with a metal roof. Updates include septic & drainfield, blown in insulation, metal roof (2018), water heater and HVAC. Split bedroom plan, primary suite has a ceramic tile shower and the main bath has a tub/shower combo. Double sided wood burning fireplace between the living and dining rooms. Spacious front & back yards and there is a frame shed for lawn equipment. 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$1,257
Property taxesest. at asking price, Clay County$348
Estimated total, before insurance$1,605/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,568/yr · $131/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

$227,000
$45,400
Loan Term
Monthly Payment
$1,257
Principal & Interest: $1,257
Property taxes (est.): $348
Insurance (est.): $151
Estimated Total Monthly
$1,757
*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 — 2018 per the listing

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

Solar potential: ~1,652 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): $1,568/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 $212/sq ft; this home is listed at $142/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJun 2026$275,000$1533/11,8002140.4
5338 County Road 352, Keystone Heights, FL 32656Listed by ONE REALTY CORPJun 2026$340,000$2143/21,589340.5
5299 County Road 352 Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$325,000$2212/21,470510.5
5294 County Road 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYApr 2026$320,000$2123/21,512870.6
5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJul 2026$360,000$2003/21,800280.7
5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLCAug 2026$269,900$1355/32,000130.8

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$225,000
Price / Sq Ft$142
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,590
Acres0.96 acres
Year Built1972
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMcrae
HighKeystone Heights

Community Information

Address7065 Gatorbone Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionGatorbone
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size41,817.6 sq ft
Parcel Number12082300132900000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Circular Driveway, Garage
ViewTrees/Woods

Interior

Interior FeaturesPantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesDouble Sided, Wood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchFront Porch, Porch, Screened
RoofMetal
ConstructionBlock, Concrete
Other StructuresShed(s)
Road FrontageCounty Road

Additional Information

Date ListedSeptember 16, 2025
Days on Market91
Tax Amount$1,567.75
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: KELLER WILLIAMS JACKSONVILLE (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 Dec 17, 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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