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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active·116 days on market

6612 Camelot Court

Keystone Heights, FL 32656

$400,000$176/sqftEst. $2,216/moMLS# 2127550
↓ $15,000 below original list
4
Beds
2.5
Baths
2,276
Sq Ft
1994
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA0.78 acresSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Keystone Heights

Welcome to 6612 Camelot Court, this beautiful home sits on a large lot with the upgrades buyers already want done. Step inside to updated flooring, refreshed bathrooms, and and updated kitchen with newer appliances giving you that clean, move-in-ready feel while still leaving plenty of room to personalize. The bonus room on the first floor is the flex space everyone asks for. Make it your home office, playroom, gym, second living room... you choose. Outside is where this one really breathes: the oversized yard with pool delivers privacy, space for pets, a garden, toys, or future outdoor living. Tucked in the Keystone Lake region, you're close to Gold Head Branch State Pack and local favorites for an easy weekend reset. If you want updates, space and a layout that adapts to real life, come see it in person. The outside shed doesn't convey with the purchase price and is separately negotiable.

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$2,216
Property taxesest. at asking price, Clay County$613
Estimated total, before insurance$2,829/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,380/yr · $448/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $613
Insurance (est.): $267
Estimated Total Monthly
$3,095
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 1994)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,756 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.

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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:31 AM, sunset 6:56 PM.

  • 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.
  • 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.
  • 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

Last sold: $399,000 in April 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$384,164$333,442—
2024$379,588$329,588—
2023$408,486$349,897—
2022$338,159$127,483—
2021$261,034$122,314—
2020$247,513$119,935—

2025 property taxes (current owner): $5,380/yr

Estimated taxes if purchased at asking price: ~$7,400/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

  • Aug 5, 2026Price change$400,000−$15,000
  • Jun 23, 2026Listed$415,000

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 $181/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6240 Payne Road, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJul 2026$535,000$1814/32,952150.1
6470 Brooklyn Bay Road, Keystone Heights, FL 32656Listed by ROUND TABLE REALTYApr 2026$425,000$1954/32,1772170.3
6328 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLCJun 2026$240,000$1193/32,010590.8
6757 Deer Springs Road, Keystone Heights, FL 32656Listed by AJ REALTY GROUP FLORIDA INCSep 2026$299,900$1743/21,720331.1
628 Bethel Drive, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCJun 2026$479,900$2034/22,36211.4
6780 W Brook Drive, Keystone Heights, FL 32656Listed by CONVENE REALTYMay 2026$270,000$1524/21,782471.4

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$400,000
Price / Sq Ft$176
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,276
Acres0.78 acres
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address6612 Camelot Court, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionBonnie Forest
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size33,976.8 sq ft
Parcel Number17082300175200300
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Water Connected
Water SourceWell
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories2

Exterior

RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedJune 23, 2026
Days on Market241
Tax Amount$5,380
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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

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20+ years · 500+ closings · NE Florida

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