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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Dec 3, 2025·19 days on market

7398 Hoosier Avenue

Keystone Heights, FL 32656

$185,000sold priceListed at $185,000 · 100% of asking$132/sqftMLS# 2112178
3
Beds
2
Baths
1,404
Sq Ft
1994
Built
—
Garage
No
Pool
No HOA1.10 acresMobile Home1 story

About this home

Keystone Heights

Seller incentive ALERT! BUYERS get up to $10,000.00 toward your closing costs with an acceptable offer—this home is not just move-in ready, it's a smart buy! Enjoy the quiet of the country while staying close to it all—only 10 minutes to Keystone Heights, under 30 minutes to Middleburg, Orange Park, and just 45 minutes to Gainesville and Jacksonville. This charming 3-bedroom, 2-bath double-wide sits on just over an acre of land on a beautiful corner lot, offering plenty of space to relax and enjoy Florida living! Step inside to an open, inviting layout featuring a spacious living room just off the separate dining area—perfect for gatherings or quiet evenings at home. The primary suite offers a relaxing Safe Step walk-in jetted tub/shower, while two bedrooms include generous walk-in closets for plenty of storage. Coming partially furnished, this home also boasts a metal roof about 5 years old—ready and waiting for its next owner!

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$1,025
Property taxesest. at asking price, Clay County$284
Estimated total, before insurance$1,308/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$500/yr · $42/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

$185,000
$37,000
Loan Term
Monthly Payment
$1,025
Principal & Interest: $1,025
Property taxes (est.): $284
Insurance (est.): $123
Estimated Total Monthly
$1,432
*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 1994)

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

Solar potential: ~1,635 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

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:31 AM, sunset 6:54 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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): $500/yr

Estimated taxes if purchased at asking price: ~$3,400/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 $214/sq ft; this home is listed at $132/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5687 Cibola Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYFeb 2026$335,000$2213/21,515150.2
5294 County Road 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYApr 2026$320,000$2123/21,512870.3
5338 County Road 352, Keystone Heights, FL 32656Listed by ONE REALTY CORPJun 2026$340,000$2143/21,589340.4
5299 County Road 352 Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$325,000$2212/21,470510.4
7436 Caribbean Circle, Keystone Heights, FL 32656Listed by GOLD KEY REALTY OF JAX, INCJan 2026$190,000$1363/21,4001980.4
5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJul 2026$360,000$2003/21,800280.5

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$185,000
Price / Sq Ft$132
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,404
Acres1.10 acres
Year Built1994
TypeResidential
Sub-TypeMobile Home
StatusClosed
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address7398 Hoosier Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size47,916 sq ft
Parcel Number12082300143786079

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Walk-In Closet(s)
AppliancesDryer, Electric Oven, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1

Exterior

Lot DescriptionCorner Lot
RoofMetal

Additional Information

Date ListedOctober 6, 2025
Days on Market19
Tax Amount$500.05
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY INC

Sold by: COLDWELL BANKER BEN BATES INC (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 3, 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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