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Sold·Closed Feb 27, 2026·104 days on market
5518 Gila Street
Keystone Heights, FL 32656
About this home
Keystone Heights
PRICED BELOW MARKET VALUE for quick sale. Enjoy peaceful, affordable waterfront living on Winding Tree Lake in Keystone Heights! Newer 2020 build 4 bedroom, 2 full bath manufactured home on a partially cleared 0.78 acre lot boasts a detached garage/greenhouse wired for electricity. Pavered walkways and landscaping beds guide you to the covered front porch. Once inside, you'll love the low maintenance vinyl flooring. Kitchen, dining and living areas meld perfectly into an entertainer's dream. All kitchen appliances convey with sale, including dishwasher as well as a nearly brand new high efficiency Samsung washer & dryer set. Separate kitchen island, ample cabinets and a window overlooking the lake out back make cleanup and kitchen storage a breeze. Off the utility area, find an oversized deck with plenty of room for your outdoor gatherings or simply sipping your favorite beverage.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,684 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 homeThis 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
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): $2,769/yr
Estimated taxes if purchased at asking price: ~$4,100/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, NEFMLS.
History
Price & status history
- Oct 8, 2025Listed$230,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $163/sq ft; this home is listed at $147/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5521 Gila Street, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INC | Aug 2026 | $125,000 | $111 | 2/2 | 1,126 | 10 | 0.1 |
| 5493 Coronado Street, Keystone Heights, FL 32656Listed by JAX HOME REALTY | Jun 2026 | $177,000 | $154 | 3/2 | 1,152 | 25 | 0.3 |
| 7575 Monongahela Avenue, Keystone Heights, FL 32656Listed by HATCH REALTY SERVICES | May 2026 | $290,000 | $203 | 3/2 | 1,428 | 7 | 0.3 |
| 5530 Capulin Street, Keystone Heights, FL 32656Listed by FADER & CO REALTY LLC | Aug 2026 | $250,000 | $138 | 3/2 | 1,813 | 25 | 0.4 |
| 5468 Jefferson Street, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INC | Jun 2026 | $262,399 | $174 | 3/2 | 1,512 | 2 | 0.4 |
| 5533 Arapaho Street, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATE | Jun 2026 | $260,000 | $163 | 3/2 | 1,600 | 8 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 LIGHTHOUSE 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Feb 27, 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.
Northeast Florida living
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