Sold·Closed Aug 28, 2026·287 days on market
618 SE 44th Street
Keystone Heights, FL 32656
About this home
Keystone Heights
Beautiful maintained 2-bedroom, 2-bath home on two spacious lots with a detached 2-car garage and full bath, perfectly located on a paved road in Keystone Heights. The charming residence offers an open floor plan with a split-bedroom layout for added privacy. Trayed ceiling in the dining area and cathedral ceiling in the living area. The large laundry room provides extra conveniences and storage space. The detached garage-already equipped with a full bath-can easily be finished with drywall to create a guest suite, studio or workshop. Recent updates include fresh exterior paint (October 2025). The additional well serves the sprinkler system, keeping the landscaped yard lush and green. Enjoy peace of mind with no HOA fees and appreciate the home's proximity to schools, parks, shopping and local lakes. Conveniently located for commutes to Gainesville, Middleburg and Palatka. The Keystone Heights area continues to experience active growth-making this property an excellent primary
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: Shingle — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,561 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 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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $2,041/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. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Aug 28, 2026Closed$334,777
- Aug 10, 2026Pending$334,777
- Oct 24, 2025Listed$334,777
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 $208/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 484 SE 44th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Aug 2026 | $280,000 | $208 | 3/2 | 1,344 | 143 | 0.1 |
| 653 SE 44th Street, Keystone Heights, FL 32656Listed by WATSON REALTY CORP | Jul 2026 | $295,000 | $240 | 3/2 | 1,230 | 38 | 0.1 |
| 692 SE 41st Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Aug 2026 | $295,000 | $219 | 3/2 | 1,344 | 14 | 0.2 |
| 4193 SE 8th Avenue, Melrose, FL 32666Listed by CW REALTY | Jun 2026 | $249,900 | $178 | 3/2 | 1,404 | 78 | 0.2 |
| 4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Sep 2026 | $357,000 | $177 | 2/2 | 2,015 | 21 | 0.3 |
| 6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Nov 2025 | $375,000 | $208 | 3/2 | 1,804 | 347 | 0.6 |
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: HELEN HERSEY REALTY
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.
Keep looking
Similar homes in Keystone Heights
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 28, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines