Sold·Closed Jul 23, 2026·141 days on market
5893 White Sands Road
Keystone Heights, FL 32656
About this home
Keystone Heights
WATERFRONT WITH A GUEST HOUSE!!! Discover the pinnacle of lakeside living in this stunningly remodeled two-story concrete block home situated directly on White Sands Lake. This property features a main residence and a guest house set on a spacious 0.79-acre lot with 80 feet of water frontage. The main home offers 3 bedrooms, 3 bathrooms, and 2,037 square feet of living space with premium finishes, including tile flooring and a cozy fireplace. The high-end kitchen boasts Level 5 natural stone quartzite countertops and soft-close dovetail birch wood cabinets. You will also find exotic quartz in all wet areas and a breathtaking quartz stairway leading to the second floor. Recent upgrades provide peace of mind, including: - 7-year-old roof - Double-pane insulated windows and updated electrical - A/C system (7 years old) with a 20-year warranty - Double-tank septic system cleaned three months ago with a drain field replaced last year Additionally, the property includes a
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
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 1957)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,640 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 homeThis 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $160,351 | $51,506 | — |
| 2024 | $157,395 | $49,347 | — |
| 2023 | $133,778 | $46,454 | — |
| 2022 | $117,662 | $43,645 | — |
| 2021 | $104,593 | $40,918 | — |
| 2020 | $103,120 | $39,663 | — |
2025 property taxes (current owner): $1,305/yr
Estimated taxes if purchased at asking price: ~$9,700/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.
History
Price & status history
- Jul 24, 2026Closed$530,000
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 $170/sq ft; this home is listed at $260/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2026 | $275,000 | $153 | 3/1 | 1,800 | 214 | 0.6 |
| 5419 County Road 352, Keystone Heights, FL 32656Listed by MOMENTUM REALTY | Sep 2026 | $420,000 | $170 | 5/2.5 | 2,471 | 91 | 1 |
| 5670 Acadia Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Jul 2026 | $265,000 | $175 | 3/2 | 1,512 | 50 | 1 |
| 6730 Dunn Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Jan 2026 | $230,000 | $106 | 4/2 | 2,160 | 330 | 1 |
| 5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $360,000 | $200 | 3/2 | 1,800 | 28 | 1.1 |
| 6767 State Road 21, Keystone Heights, FL 32656Listed by CORE REALTY, LLC | Jul 2026 | $119,333 | $69 | 3/2 | 1,730 | 164 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE WILKINS WAY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 23, 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.
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