Pending·236 days on market
5441 County Road 352
Keystone Heights, FL 32656
About this home
Keystone Heights
Waterfront lot on Gator Bone Lake! The property sits on a paved road in a quiet neighborhood and offers an ideal setting to build your dream home with lake views. Zoned for Clay County schools. No HOA! A great opportunity!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $50,000 | $29,282 | — |
| 2024 | $50,000 | $26,620 | — |
| 2023 | $30,000 | $24,200 | — |
| 2022 | $22,000 | $22,000 | — |
| 2021 | $22,000 | $22,000 | — |
| 2020 | $22,000 | $22,000 | — |
2025 property taxes (current owner): $577/yr
Estimated taxes if purchased at asking price: ~$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.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · edenjordan@cbvfl.com
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines