Active·361 days on market
6441 Baker Road
Keystone Heights, FL 32656
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Keystone Heights
This immaculate and well loved lake home with additional cottage and a 20x20 detached garage plus 20x20 RV/Boat port on coveted Lake Hutchinson has it all!!! Updates include a new well with filter system (2023), 26 gauge Galvalume industrial metal roof, surge generator hook up, wood decks, etc. The 900 SF cottage has one bedroom, one bath (shower, toilet, sink, washer/dryer), kitchen efficiency (no stove) and extra insulation in the attic. The detached garage 20x20 has an extra elevated 10' boat/RV port which has a 30 amp electrical RV hook up and easy access septic connection. Lake Hutchinson is a private, clear water lake with white sand bottom and has no public access. This property has a 10x10 metal shed for lake toys & recreational equipment. Paved road access has mature live oak canopies, plenty of parking space in the yard for guests and visitors! Don't miss this unique and amazing property!
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Metal — year not disclosed (home built 1971)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,356 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, 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.
Closest park or preserve
Mike Roess Gold Head Branch State Parkabout 8 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 5 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 7 mi · Little Lake Johnson
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $256,546 | $61,530 | — |
| 2024 | $253,563 | $58,948 | — |
| 2023 | $235,149 | $55,630 | — |
| 2022 | $197,099 | $52,408 | — |
| 2021 | $162,448 | $49,280 | — |
| 2020 | $153,777 | $47,841 | — |
2024 property taxes (current owner): $1,343/yr
Estimated taxes if purchased at asking price: ~$8,700/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 (2025), NEFMLS.
History
Price & status history
- Oct 8, 2026Price change$473,000−$8,000
- Aug 25, 2026Price change$481,000−$18,500
- Oct 20, 2025Listed$499,500
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 $180/sq ft; this home is listed at $183/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8093 Breezy Point Road E, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Apr 2026 | $260,000 | $137 | 3/3 | 1,892 | 70 | 0.4 |
| 6306 Baker Road, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | May 2026 | $339,500 | $178 | 4/2 | 1,906 | 141 | 0.7 |
| 6249 Blue Marlin Drive, Keystone Heights, FL 32656Listed by KELLER WILLIAMS ST JOHNS | Dec 2025 | $410,000 | $180 | 4/3 | 2,272 | 7 | 0.9 |
| 7932 Breezy Point Road W, Melrose, FL 32666Listed by DOGWOOD REALTY | Aug 2026 | $503,000 | $168 | 3/2 | 2,995 | 10 | 1 |
| 6235 Blue Marlin Drive, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $367,000 | $184 | 3/2 | 2,000 | 109 | 1 |
| 8485 Lily Lake Road, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2025 | $785,000 | $252 | 4/3 | 3,120 | 47 | 1 |
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: FLORIDA HOMES REALTY & MTG LLC
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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Krista Fracke
Broker Associate
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