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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 Aug 22, 2025·0 days on market

4441 Station Free Way

Keystone Heights, FL 32656

$169,100sold priceListed at $169,100 · 100% of asking$97/sqftMLS# 2113332
3
Beds
4
Baths
1,740
Sq Ft
2020
Built
—
Garage
No
Pool
No HOA1.74 acresMobile Home1 story

About this home

Keystone Heights

Needs TLC

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$937
Property taxesest. at asking price, Clay County$259
Estimated total, before insurance$1,196/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,081/yr · $257/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

$169,100
$33,820
Loan Term
Monthly Payment
$937
Principal & Interest: $937
Property taxes (est.): $259
Insurance (est.): $113
Estimated Total Monthly
$1,309
*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): $3,081/yr

Estimated taxes if purchased at asking price: ~$3,100/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.

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 $176/sq ft; this home is listed at $97/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4441 Station Free Way, Keystone Heights, FL 32656Listed by MOMENTUM REALTYDec 2025$240,000$1384/21,740370
1846 Bellamy Road, Florahome, FL 32140Listed by HELEN HERSEY REALTYNov 2025$370,000$1763/22,1081710.5
183 Ranchette Circle, Florahome, FL 32140Listed by MOMENTUM REALTYNov 2025$245,000$1823/21,34470.6
1784 Bellamy Road, Florahome, FL 32140Listed by TREVOR WATERS REALTY, INC.Sep 2025$275,000$2123/21,29630.8
4710 Gadara Road, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCDec 2025$259,900$1723/21,512321
4716 Gadara Road, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCNov 2025$262,900$1743/21,51241

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$169,100
Price / Sq Ft$97
Bedrooms3
Bathrooms4.00
Full Baths3
Half Baths2
Square Footage1,740
Acres1.74 acres
Year Built2020
TypeResidential
Sub-TypeMobile Home
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address4441 Station Free Way, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionOak Lake Estates
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size75,794.4 sq ft
Parcel Number15082400702608007

Amenities

UtilitiesOther
Water SourceOther
ParkingOther

Interior

AppliancesOther
CoolingOther
# of Stories1

Exterior

Other StructuresOther

Additional Information

Date ListedOctober 15, 2025
Days on Market0
Tax Amount$3,081.42
Tax Year2024
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

Sold by: MOMENTUM REALTY (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 Aug 22, 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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