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Sold

Sold·Closed Mar 19, 2026·87 days on market

7877 State Road 21

Keystone Heights, FL 32656

$399,990sold priceListed at $399,990 · 100% of asking$161/sqftMLS# 2117211
3
Beds
4
Baths
2,482
Sq Ft
1957
Built
—
Garage
No
Pool
No HOA0.53 acresWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Completely remodeled 3BR/4BA lakefront home on Lake Geneva in Clay County! Over 2,400 sq ft of living space with spacious rooms, updated finishes, and peaceful lake views. Enjoy a huge yard shaded by granddaddy oaks and relaxing back porches overlooking the water. Features city water, a new metal roof (2025), new AC (2024), and new water heater (2024). Situated on a double lot in a desirable area with top-rated Clay County schools, this property offers the perfect blend of privacy, charm, and modern comfort on one of the area's most sought-after lakes.

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$2,216
Property taxesest. at asking price, Clay County$613
Estimated total, before insurance$2,829/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,999/yr · $250/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

$399,990
$79,998
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $613
Insurance (est.): $267
Estimated Total Monthly
$3,095
*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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~947 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): $2,999/yr

Estimated taxes if purchased at asking price: ~$7,400/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 $200/sq ft; this home is listed at $161/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7704 Clover Lane, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLCOct 2025$294,000$1513/31,9441310.1
7838 State Road 21, Keystone Heights, FL 32656Listed by MARK SPAIN REAL ESTATEJan 2026$215,000$1063/22,019140.2
1339 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$488,500$2004/32,44660.3
6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYNov 2025$375,000$2083/21,8043470.3
3901 State Rd 21, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCOct 2025$495,000$2144/22,318540.3
1326 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCOct 2025$540,000$1933/22,7916050.3

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$399,990
Price / Sq Ft$161
Bedrooms3
Bathrooms4.00
Full Baths4
Square Footage2,482
Acres0.53 acres
Year Built1957
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

Community Information

Address7877 State Road 21, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionLakeview Highlands
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size23,086.8 sq ft
Parcel Number30082302241500000

Amenities

Community FeaturesSidewalks, Fishing, Restaurant, Curbs
UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
Green / EnergyRoof
ParkingAdditional Parking, Carport, Circular Driveway
ViewLake, Water
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Vaulted Ceiling(s)
AppliancesConvection Oven, Dishwasher, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionMany Trees
Patio / PorchDeck, Front Porch, Patio, Porch, Rear Porch, Side Porch
RoofMetal
ConstructionVinyl Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street, State Road

Additional Information

Date ListedNovember 10, 2025
Days on Market87
Tax Amount$2,998.54
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

Sold by: EXIT INSPIRED REAL ESTATE (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 Mar 19, 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?

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