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Sold

Sold·Closed Jan 23, 2026·63 days on market

6639 County Road 214

Keystone Heights, FL 32656

$155,000sold priceListed at $165,000 · 93.9% of asking$130/sqftMLS# 2115723
3
Beds
2
Baths
1,196
Sq Ft
1972
Built
—
Garage
No
Pool
No HOA6.57 acresMobile Home1 story

About this home

Keystone Heights

Approximately 6.5 acres to build your new home. Two mobile homes (not habitable...one used for storage) on the property. Power is still on. The area offers numerous lakes, parks and recreation areas, airport, golf course, full time fire station and EMT's, Santa Fe Community College, The Rally International Driving School, Electric charging station at City Hall (Keystone Heights). A quaint downtown area where residents shop. Several national chain restaurants and bonus local ones. The residents value their community and are active in all areas to include schools, sports, churches, library and local events. It is a commuters community for many to Gainesville, Palatka and Jacksonville.

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$859
Property taxesest. at asking price, Clay County$238
Estimated total, before insurance$1,096/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$518/yr · $43/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$155,000
$31,000
Loan Term
Monthly Payment
$859
Principal & Interest: $859
Property taxes (est.): $238
Insurance (est.): $103
Estimated Total Monthly
$1,199
*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 1972)

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

Solar potential: ~1,293 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): $518/yr

Estimated taxes if purchased at asking price: ~$2,900/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 $187/sq ft; this home is listed at $138/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6310 6th Avenue, Keystone Heights, FL 32656Listed by CW REALTYJul 2025$169,900$1213/21,4041120.3
6297 Hutchinson Avenue, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYFeb 2026$239,900$1893/21,267230.5
128 Serenity Drive, Melrose, FL 32666Listed by COLDWELL BANKER VANGUARD REALTYJan 2026$219,000$2352/293080.6
8180 Melrose Road, Melrose, FL 32666Listed by CB ISAAC REALTYOct 2025$130,000$1413/2924170.9
6904 County Road 214, Melrose, FL 32666Listed by CW REALTYDec 2025$283,000$1873/21,51751.1
6838 Big Sky Lane, Melrose, FL 32666Listed by CB ISAAC REALTYDec 2025$155,500$1353/21,1523581.1

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

Price$165,000
Price / Sq Ft$138
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,196
Total Structure Area1,988 sq ft
Acres6.57 acres
Year Built1972
TypeResidential
Sub-TypeMobile Home
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMcrae
HighKeystone Heights

Community Information

Address6639 County Road 214, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size286,189.2 sq ft
Parcel Number05092300527200000
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street

Interior

AppliancesOther
CoolingOther
# of Stories1

Exterior

Lot DescriptionFew Trees
RoofMetal
ConstructionAluminum Siding
Other StructuresOther
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedOctober 30, 2025
Days on Market63
Tax Amount$518.21
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HELEN HERSEY REALTY

Sold by: KELLER WILLIAMS FIRST COAST 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 Jan 23, 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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