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Sold·Closed Jan 2, 2026·9 days on market

5086 Grannys Place

Keystone Heights, FL 32656

$70,000sold priceListed at $70,000 · 100% of asking$34/sqftMLS# 2114412
3
Beds
2
Baths
2,064
Sq Ft
1985
Built
—
Garage
Yes
Pool
No HOA2.01 acresManufactured Home1 story

About this home

Keystone Heights

Double wide manufactured home on two acres in rural location. Parcel was split from larger parcel so has shared driveway at this time. Easy commute to Orange Park. Zoned Agriculture. Home has several additions with family room and bonus room. In-ground pool. Several sheds and accessory buildings of no value. Lots of potential for renovation. Multiple offers, seller will calling for highest and best.

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$388
Property taxesest. at asking price, Clay County$107
Estimated total, before insurance$495/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,792/yr · $149/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$70,000
$14,000
Loan Term
Monthly Payment
$388
Principal & Interest: $388
Property taxes (est.): $107
Insurance (est.): $47
Estimated Total Monthly
$542
*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.

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: Metal — year not disclosed (home built 1985)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,670 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 home

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.

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): $1,792/yr

Estimated taxes if purchased at asking price: ~$1,300/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 $138/sq ft; this home is listed at $34/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6758 Gilda Court, Keystone Heights, FL 32656Listed by MOMENTUM REALTYOct 2026$221,500$1324/21,680280.2
6758 Gilda Court, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLCJun 2026$165,000$984/21,680790.2
6764 Gilda Court, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLCJun 2026$165,000$1053/21,566790.2
6638 County Road 315C, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$350,000$1384/22,537140.5
6012 Indian Trail, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$325,000$1534/32,126610.8
4722 Gadara Road, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INCFeb 2026$259,900$1723/21,51221.3

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$70,000
Price / Sq Ft$34
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,064
Acres2.01 acres
Year Built1985
TypeResidential
Sub-TypeManufactured Home
StatusClosed
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address5086 Grannys Place, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size87,555.6 sq ft
Parcel Number05082400693500203
ZoningAgricultural

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

AppliancesNone
HeatingNone
CoolingNone
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces2
# of Stories1

Exterior

Lot DescriptionAgricultural
RoofMetal
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageEasement

Additional Information

Date ListedOctober 22, 2025
Days on Market9
Tax Amount$1,792
Tax Year2024
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MODERN REALTY OF FLORIDA

Sold by: MODERN REALTY OF FLORIDA (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 Jan 2, 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

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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