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Active Under Contract

Active Under Contract·49 days on market

7550 Monongahela Avenue

Keystone Heights, FL 32656

$536,900$209/sqftEst. $2,760/moMLS# 2124630

Beds

Baths

2,564

Sq Ft

2026

Built

Garage

Pool

About this home

Keystone Heights

NEW PRICE! Move-In Ready | 1.14 Acres | No HOA | 3-Car Garage Looking for a brand-new home with room to breathe? Welcome to this stunning custom-built 4-bedroom, 2.5-bath home situated on 1.14 private acres in Keystone Heights. Offering 2,564 square feet of beautifully designed living space, this home combines modern style, quality craftsmanship, and the freedom of country living--without sacrificing convenience. From the moment you enter, you'll appreciate the bright open floor plan, luxury vinyl plank flooring, soaring ceilings, and abundant natural light. The spacious great room flows effortlessly into the designer kitchen featuring quartz countertops, custom cabinetry, stainless steel appliances, a large center island, and a generous walk-in pantry--perfect for entertaining or everyday living. The owner's suite offers a peaceful retreat with a spa-inspired bath, dual vanities, a large walk-in shower, and an oversized walk-in closet. Three additional bedrooms provide plenty of space

Cost to own

Mortgage calculator

Home Price

$536,900

Down Payment: 20%

$107,380

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,760

Principal & Interest: $2,760

Property taxes (est.): $823

Insurance (est.): $358

Estimated Total Monthly

$3,941

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,760

Property taxesest. at asking price, Clay County$823

Estimated total, before insurance$3,583/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$23,000	$11,712	—
2024	$16,500	$10,648	—
2023	$16,000	$9,680	—
2022	$9,000	$8,800	—
2021	$8,000	$8,000	—
2020	$8,000	$7,700	—

2025 property taxes (current owner): $249/yr

Estimated taxes if purchased at asking price: ~$9,900/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,670 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

As of July 2026, 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

Aug 1, 2026Active Under Contract$536,900
Jan 11, 2026Listed$536,900

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

Features

Price$536,900

Price / Sq Ft$209

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,564

Acres1.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address7550 Monongahela Avenue, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionBig Tree Lakes

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size49,658.4 sq ft

Parcel Number14082300143704300

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourcePrivate

ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FlooringVinyl

# of Stories1

LaundryElectric Dryer Hookup, Sink, Washer Hookup