Active·71 days on market
5646 Indian Trail
Keystone Heights, FL 32656
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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
This private 2.5 acre lot in Keystone Heights is waiting for you to build your dream home! Zoning allows for stick built and manufactured homes. Partially cleared! You won't want to miss this rural paradise.
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Cost to own
Mortgage calculator
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: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,690 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 homeAs 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.
Cost to own
Taxes & assessment
Last sold: $21,000 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $36,996 | $36,996 | — |
| 2024 | $36,996 | $36,996 | — |
| 2023 | $27,998 | $23,098 | — |
| 2022 | $20,999 | $20,999 | — |
| 2021 | $20,999 | $20,625 | — |
| 2020 | $18,750 | $18,750 | — |
2025 property taxes (current owner): $793/yr
Estimated taxes if purchased at asking price: ~$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
- Oct 6, 2026Price change$38,000−$2,000
- Jul 31, 2026Active$40,000
- Jul 7, 2026Withdrawn$40,000
- Feb 12, 2026Listed$40,000
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5528 Campo Drive, Keystone Heights, FL 32656Listed by US REALTY HUB | Sep 2026 | $75,000 | — | 0/0 | — | 40 | 1.4 |
| 4381 Mark Allan Road, Keystone Heights, FL 32656Listed by FLATFLEE.COM INC | Jun 2026 | $60,000 | — | 0/0 | — | 53 | 1.5 |
| 7237 Cooper Prairie Road, Keystone Heights, FL 32656Listed by MOMENTUM REALTY | Jul 2026 | $65,000 | — | 0/0 | — | 73 | 2.2 |
| 00 County Road 214, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $90,000 | — | 0/0 | — | 1442 | 2.7 |
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
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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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