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Active

Active·313 days on market

6441 Baker Road

Keystone Heights, FL 32656

$481,000$186/sqftEst. $2,473/moMLS# 2114207

Beds

Baths

2,586

Sq Ft

1971

Built

Garage

Pool

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

Mortgage calculator

Home Price

$481,000

Down Payment: 20%

$96,200

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,473

Principal & Interest: $2,473

Property taxes (est.): $737

Insurance (est.): $321

Estimated Total Monthly

$3,531

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,473

Property taxesest. at asking price, Clay County$737

Estimated total, before insurance$3,210/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,343/yr · $112/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).

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: ~$8,800/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.

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 home

As 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.

History