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Sold

Sold·Closed Jul 1, 2026·164 days on market

6767 State Road 21

Keystone Heights, FL 32656

$119,333sold priceListed at $137,500 · 86.8% of asking$69/sqftMLS# 2122045
3
Beds
2
Baths
1,730
Sq Ft
1984
Built
2
Garage
No
Pool
No HOA1.31 acresWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Come explore this single family detached home with a detached two-car garage situated on Spring Lake. This home features multiple water views from living room, open kitchen, and separate utility building. This is a Fannie Mae HomePath Property.

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$661
Property taxesest. at asking price, Clay County$183
Estimated total, before insurance$844/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,003/yr · $250/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$119,333
$23,867
Loan Term
Monthly Payment
$661
Principal & Interest: $661
Property taxes (est.): $183
Insurance (est.): $80
Estimated Total Monthly
$923
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1984)

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

Solar potential: ~1,735 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 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$186,451$164,276—
2024$184,890$149,342—
2023$170,263$135,766—
2022$141,211$123,424—
2021$114,246$112,204—
2020$102,004$102,004—

2025 property taxes (current owner): $3,003/yr

Estimated taxes if purchased at asking price: ~$2,200/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 (2025), 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 $174/sq ft; this home is listed at $79/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6730 Dunn Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYJan 2026$230,000$1064/22,1603300.5
6757 Deer Springs Road, Keystone Heights, FL 32656Listed by AJ REALTY GROUP FLORIDA INCSep 2026$299,900$1743/21,720330.9
5893 White Sands Road, Keystone Heights, FL 32656Listed by THE WILKINS WAYJul 2026$525,000$2583/32,0371411.1
5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJun 2026$275,000$1533/11,8002141.5
5670 Acadia Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYJul 2026$265,000$1753/21,512501.6
7159 State Road 21, Keystone Heights, FL 32656Listed by GAILEY ENTERPRISES LLCMay 2026$239,000$1662/21,44051.8

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$137,500
Price / Sq Ft$79
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,730
Acres1.31 acres
Year Built1984
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address6767 State Road 21, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size57,063.6 sq ft
Parcel Number03082300081500000

Amenities

UtilitiesElectricity Connected
Water SourceWell
ParkingDetached, Garage
ViewLake
Waterfront TypeLake Front

Interior

AppliancesNone
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

RoofShingle
ConstructionFrame

Additional Information

Date ListedApril 21, 2026
Days on Market164
Tax Amount$3,002.67
Tax Year2025
Listing TermsCash, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CORE REALTY, LLC

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 Jul 1, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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