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Sold

Sold·Closed Nov 10, 2025·35 days on market

4520 Bondarenko Road

Keystone Heights, FL 32656

$110,000sold priceListed at $150,000 · 73.3% of asking$52/sqftMLS# 2109991
4
Beds
2
Baths
2,127
Sq Ft
1989
Built
—
Garage
No
Pool
No HOA5.08 acresMobile Home1 story

About this home

Keystone Heights

A fantastic opportunity to find your home in the woods! This project home is tucked away deep in the Florida pines waiting for its new owner to put some finishing touches on it. The current owner has done most of the work including clearing the land, installing an asphalt millings driveway, running underground power, new carpet, a new roof, and clearing trails. The property is being sold as is and is missing an HVAC. The septic tank is included and the hole is dug but will need to be finished by the new owner. The enclosed trailer pictured is included in the sale as well and will make a fantastic shed. The property is surrounded by other wooded lots and a few scattered homes. If seclusion is the goal then this property is perfect. While only being 40 mins to the Duval county line, 28 mins to Middleburg, and 21 mins to Keystone Heights. If you wish to walk the property please wear boots and pants as some of the property is overgrown.

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$609
Property taxesest. at asking price, Clay County$169
Estimated total, before insurance$778/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$723/yr · $60/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

$110,000
$22,000
Loan Term
Monthly Payment
$609
Principal & Interest: $609
Property taxes (est.): $169
Insurance (est.): $73
Estimated Total Monthly
$851
*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.

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): $723/yr

Estimated taxes if purchased at asking price: ~$2,000/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 $198/sq ft; this home is listed at $71/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4527 Bondarenko Road, Keystone Heights, FL 32656Listed by KELLAR REALTY AND PROPERTY MANAGEMENT INCMar 2026$245,000$1154/22,128670.1
4461 Bondarenko Road, Keystone Heights, FL 32656Listed by RE/MAX SPECIALISTSAug 2025$319,000$1404/32,280130.4
5970 Plantation Court, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYJul 2026$499,000$2194/22,280190.8
4690 Kim Lane, Keystone Heights, FL 32656Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLCNov 2025$360,000$1894/21,9041441
5835 Lisa Lynn Lane, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCSep 2026$379,900$1983/21,92051.4
6060 County Road 315C, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCJan 2026$460,000$2324/2.51,980411.4

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$150,000
Price / Sq Ft$71
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,127
Acres5.08 acres
Year Built1989
TypeResidential
Sub-TypeMobile Home
StyleOther
Property ConditionFixer
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address4520 Bondarenko Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionPlantation Farms
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size221,284.8 sq ft
Parcel Number27072400691902800
ZoningResidential

Amenities

UtilitiesElectricity Connected, Other
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking
ViewTrees/Woods

Interior

Interior FeaturesOpen Floorplan, Other
AppliancesConvection Oven, Microwave
HeatingNone
CoolingNone
FlooringCarpet, Laminate
FireplaceYes
Fireplace FeaturesOther
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBalcony
Lot DescriptionCleared, Dead End Street, Farm, Many Trees, Wooded, Other
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageUnimproved

Additional Information

Date ListedSeptember 23, 2025
Days on Market35
Tax Amount$722.7
Tax Year2024
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOSSY OAK PROPERTIES

Sold by: MOSSY OAK PROPERTIES (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 10, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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