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Sold

Sold·Closed Dec 12, 2025·20 days on market

5070 Mendoza Trail

Keystone Heights, FL 32656

$345,000sold priceListed at $364,900 · 94.5% of asking$177/sqftMLS# 2112724
3
Beds
2
Baths
1,950
Sq Ft
1997
Built
—
Garage
No
Pool
No HOA10.87 acresSingle Family Residence1 story

About this home

Keystone Heights

New Low Price! Assumable loan with a rate of 4.125%. Who's ready to own a farm Here's your chance! This charming Almost 11 acre estate offers a home and mini-farm that is fully set up for horses, chickens, emus, and more — just bring your boots (and maybe your sense of adventure). The property is gated with an electric entry, cross-fenced, and packed with extras: multiple sheds, a barn, and a 26x30 workshop with power. Two RV hookups (with 220) mean friends can camp comfortably — or use one for an electric vehicle or generator. Updates bring peace of mind: Roof and A/C (2017), submersible well pump (2015), home leveled (2018), new windows (2019), and new fridge and stove (2020). Underground utilities keep the views clean and the vibe country-quiet. If you've been dreaming of a little land and a lot of freedom, this one's ready for you.

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$1,911
Property taxesest. at asking price, Clay County$529
Estimated total, before insurance$2,440/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,916/yr · $243/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

$345,000
$69,000
Loan Term
Monthly Payment
$1,911
Principal & Interest: $1,911
Property taxes (est.): $529
Insurance (est.): $230
Estimated Total Monthly
$2,670
*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): $2,916/yr

Estimated taxes if purchased at asking price: ~$6,300/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 $208/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6265 Golden Oak Lane, Keystone Heights, FL 32656Listed by MOMENTUM REALTYSep 2025$275,000$1204/22,29410.7
6342 Golden Oak Lane, Keystone Heights, FL 32656Listed by MOMENTUM REALTYJul 2026$300,000$2083/21,440230.9
6060 County Road 315C, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCJan 2026$460,000$2324/2.51,980410.9
6012 Indian Trail, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$325,000$1534/32,126611.1
6030 Blueberry Hill Road, Keystone Heights, FL 32656Listed by COLDWELL BANKER SMITH AND SMITH REALTYMar 2026$165,000$1133/21,4563041.2
5970 Plantation Court, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYJul 2026$499,000$2194/22,280191.3

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$364,900
Price / Sq Ft$187
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,950
Acres10.87 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address5070 Mendoza Trail, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionSpanish Oaks
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size473,497.2 sq ft
Parcel Number29072400692100300

Amenities

UtilitiesSewer Connected
Water SourceWell
ParkingRV Access/Parking, Underground

Interior

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked
HeatingCentral, Electric, Heat Pump
CoolingCentral Air
# of Stories1

Additional Information

Date ListedOctober 10, 2025
Days on Market20
Tax Amount$2,916.13
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: DJ & LINDSEY REAL ESTATE (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 12, 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?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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