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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Apr 28, 2026·99 days on market

420 Palmetto Avenue

Keystone Heights, FL 32656

$275,000sold priceListed at $289,900 · 94.9% of asking$163/sqftMLS# 2121089
2
Beds
2
Baths
1,686
Sq Ft
1972
Built
4
Garage
No
Pool
No HOA15,246 sqft lotSingle Family Residence1 story

About this home

Keystone Heights

Discover quiet downtown living in the heart of Keystone Heights with this charming 2 bedroom, 2 bathroom home, perfectly located near multiple parks featuring tennis courts, basketball courts, playgrounds, and just minutes from the Keystone Beach. Enjoy a golf-cart-friendly community with convenience and recreation at every turn. Inside, you'll find a large family room, a dedicated office or hobby room, and a layout that offers comfort, flexibility, and room to grow. The spacious fenced backyard provides privacy and plenty of space for outdoor activities or pets. Car enthusiasts and hobbyists will love the garage setup--an attached 2-car garage PLUS A DETACHED 32' x 20' garage, both equipped with newer insulated garage doors and modern openers. Major updates include a new HVAC system (2022) and a roof replaced in 2017, offering peace of mind for years to come. Whether you're a car buff, a hobbyist, or someone seeking a centrally located home with great amenities, this is your next home

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$1,523
Property taxesest. at asking price, Clay County$421
Estimated total, before insurance$1,945/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

$275,000
$55,000
Loan Term
Monthly Payment
$1,523
Principal & Interest: $1,523
Property taxes (est.): $421
Insurance (est.): $183
Estimated Total Monthly
$2,128
*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.

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:31 AM, sunset 6:56 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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.

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 $216/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6771 Linwood Drive, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYSep 2026$275,000$2162/21,27440.4
7465 Donald Street, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEAug 2026$300,000$2313/21,301920.4
635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTYJul 2026$272,500$1953/21,39860.4
475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Oct 2026$185,000$1363/1.51,360460.5
7480 Paradise Lake Drive, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTYJul 2026$322,000$1844/21,7521481
443 SE 43rd Street, Keystone Heights, FL 32656Listed by CW REALTYMay 2026$359,900$2283/21,57601.3

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$289,900
Price / Sq Ft$172
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,686
Acres0.35 acres
Year Built1972
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages4
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address420 Palmetto Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionKeystone Heights
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size15,246 sq ft
Parcel Number20082302212100000
ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Attached, Detached, Garage, Garage Door Opener

Interior

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories1

Additional Information

Date ListedDecember 10, 2025
Days on Market99
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: FLORIDA HOMES REALTY & MTG LLC (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 Apr 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

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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