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Sold

Sold·Closed Jan 29, 2026·6 days on market

6509 Baylor Avenue

Keystone Heights, FL 32656

$190,995sold priceListed at $190,995 · 100% of asking$107/sqftMLS# 2124599
3
Beds
2
Baths
1,780
Sq Ft
1994
Built
—
Garage
No
Pool
No HOA16,161 sqft lotManufactured Home1 story

About this home

Keystone Heights

Welcome home to this beautifully updated 3 bed/ 2 bath triple wide offering 1,780 sq ft of spacious living in the heart of Keystone Heights, FL. This move in ready home features Brand New Roof, New AC, New Appliances, New Luxury Vinyl Plank Flooring throughout, Upgraded plumbing to CPVC, and New Decking perfect for relaxing or entertaining. The open floor plan provides generous living and dining spaces. Split floor plan offers privacy for the primary suite. Enjoy the freedom of NO HOA or CDD giving you flexibility for boats, Rvs,, and outdoor toys. Conveniently Located near lakes, parks, running path, restaurants, and small town amenities this property is ideal for full-time living. Owner Financing Options May be available.

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$1,058
Property taxesest. at asking price, Clay County$293
Estimated total, before insurance$1,351/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

$190,995
$38,199
Loan Term
Monthly Payment
$1,058
Principal & Interest: $1,058
Property taxes (est.): $293
Insurance (est.): $127
Estimated Total Monthly
$1,478
*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 1994)

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

Solar potential: ~1,433 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.

History

Price & status history

  • Jan 10, 2026Listed$190,995

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $206/sq ft; this home is listed at $107/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7465 Donald Street, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEAug 2026$300,000$2313/21,301920.3
6771 Linwood Drive, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYSep 2026$275,000$2162/21,27440.5
645 Shady Lane, Keystone Heights, FL 32656Listed by COLDWELL BANKER VANGUARD REALTYAug 2025$250,000$1393/21,796320.9
7365 Yale Street, Keystone Heights, FL 32656Listed by COLDWELL BANKER VANGUARD REALTYJul 2025$165,000$1063/21,5501440.9
635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTYJul 2026$272,500$1953/21,39861
345 Orchid Avenue, Keystone Heights, FL 32656Listed by EXP REALTY LLCJul 2025$280,000$2063/21,36241

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$190,995
Price / Sq Ft$107
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,780
Acres0.37 acres
Year Built1994
TypeResidential
Sub-TypeManufactured Home
StyleOther
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address6509 Baylor Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionHighridge Estates
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size16,160.76 sq ft
Parcel Number20082300299700000
ZoningResidential

Amenities

Community FeaturesFishing, Suburban, Restaurant
UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate
ParkingOff Street, RV Access/Parking
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit
SecurityFire Alarm, Smoke Detector(s)

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Deck, Rear Porch
RoofShingle
ConstructionVinyl Siding
Road SurfaceDirt
Road FrontagePrivate Road

Additional Information

Date ListedJanuary 10, 2026
Days on Market6
Listing TermsCash, Conventional, Owner May Carry, Private Financing Available, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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 Jan 29, 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

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