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Sold·Closed Nov 18, 2025·7 days on market

7648 Los Padres Avenue

Keystone Heights, FL 32656

$269,000sold priceListed at $269,900 · 99.7% of asking$134/sqftMLS# 2114525
5
Beds
3
Baths
2,001
Sq Ft
2025
Built
—
Garage
No
Pool
No HOA1.25 acresManufactured Home1 storyNew construction

About this home

Keystone Heights

Welcome to your dream home—a brand-new 5-bedroom, 3-bath split floor plan home nestled on over an acre of serene land. This spacious 2,001 sq ft residence with 8' ceilings offers the perfect blend of modern comfort and country charm. The open floor plan is ideal for both family living and entertaining, featuring a stylish kitchen with stainless steel appliances, side by side fridge, smooth top stove, a cozy coffee bar, and built-in accents that add character and convenience. Enjoy energy efficiency with an Energy Star Certified Home, complete with fresh sod and a charming stone walkway surrounded by nature. A brand-new well and septic system provide peace of mind and long-term value. Seller is offering assistance with buyer's closing costs, making this an incredible opportunity for homeownership.

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$1,490
Property taxesest. at asking price, Clay County$412
Estimated total, before insurance$1,902/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$269,000
$53,800
Loan Term
Monthly Payment
$1,490
Principal & Interest: $1,490
Property taxes (est.): $412
Insurance (est.): $179
Estimated Total Monthly
$2,082
*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: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,461 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

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): $241/yr

Estimated taxes if purchased at asking price: ~$4,900/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 $125/sq ft; this home is listed at $135/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLCOct 2026$285,000$1255/32,280160.4
5725 Sequoia Road, Keystone Heights, FL 32656Listed by CW REALTYAug 2026$235,000$975/32,432490.4
5530 Capulin Street, Keystone Heights, FL 32656Listed by FADER & CO REALTY LLCAug 2026$250,000$1383/21,813250.5
7593 Silver Sands Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$220,000$1173/21,876710.6
5533 Arapaho Street, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEJun 2026$260,000$1633/21,60080.6
5579 Deerlodge Court, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$249,900$1153/22,176160.7

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$269,900
Price / Sq Ft$135
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,001
Total Structure Area2,001 sq ft
Acres1.25 acres
Year Built2025
TypeResidential
Sub-TypeManufactured Home
StatusClosed
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address7648 Los Padres Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionFlorida Frontier
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size54,450 sq ft
Parcel Number23082300780013300

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
Water SourceWell
ParkingAdditional Parking, Off Street, RV Access/Parking

Interior

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCleared
RoofShingle
ConstructionVinyl Siding

Additional Information

Date ListedOctober 22, 2025
Days on Market7
Tax Amount$240.58
Tax Year2024
Listing TermsCash, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: VILLA & COMPANY INC

Sold by: PEPINE 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 Nov 18, 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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