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Sold

Sold·Closed May 21, 2026·392 days on market

5949 SE County Road 21B

Keystone Heights, FL 32656

$405,000sold priceListed at $405,000 · 100% of asking$208/sqftMLS# 2123674
4
Beds
2.5
Baths
1,951
Sq Ft
2025
Built
2
Garage
No
Pool
No HOASingle Family Residence1 storyNew construction

About this home

Keystone Heights

Exceptional New Construction on a beautifully sized half-acre lot. This thoughtfully designed home blends modern comfort with the charm of country living, surrounded by mature trees and open skies for a private, serene setting. Inside, the living room and primary bedroom feature elegant tray ceilings that add an elevated feel. The primary bathroom is finished with luxury wide tile that extends seamlessly up the shower walls, creating a cohesive and upscale design. Granite countertops complement the kitchen and baths, while durable vinyl plank flooring runs throughout the home for both style and easy maintenance. With all new systems, finishes, and construction, this home offers the peace of mind that comes with new construction. Located approx. 3 minutes away from the Santafe Lake boat ramp!

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$2,243
Estimated total, before insurance$2,243/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

$405,000
$81,000
Loan Term
Monthly Payment
$2,243
Principal & Interest: $2,243
Insurance (est.): $270
Estimated Total Monthly
$2,513
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; 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 2025)

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

Solar potential: ~1,586 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.

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.

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 $177/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5955 SE County Rd 21B, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJul 2026$395,000$1994/2.51,9814240
831 SE 50th Street, Keystone Heights, FL 32656Listed by JPAR CITY AND BEACHDec 2025$305,000$1323/2.52,316200.5
5756 S 55th Terrace, Keystone Heights, FL 32656Listed by MODERN REALTY OF FLORIDAJul 2026$170,000$992/21,7162440.8
4842 SE 2nd Avenue, Keystone Heights, FL 32656Listed by JPAR CITY AND BEACHJan 2026$308,000$1293/22,3811410.8
4730 SE 3rd Place, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYMar 2026$328,500$2173/21,515340.9
4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTYSep 2026$357,000$1772/22,015211

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$405,000
Price / Sq Ft$208
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,951
Total Structure Area2,648 sq ft
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionTo Be Built, Under Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryBradford
MiddleBradford
HighBradford

Community Information

Address5949 SE County Road 21B, Keystone Heights, FL 32656
Area523-Bradford County-SE
SubdivisionMetes & Bounds
CityKeystone Heights
CountyBradford
StateFL
Zip Code32656
Parcel Number05710A00200
ZoningResidential

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch
RoofShingle
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJanuary 6, 2026
Days on Market392
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CB ISAAC 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 21, 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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