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Sold·Closed Apr 2, 2026·14 days on market

378 SE 34th Street

Keystone Heights, FL 32656

$600,000sold priceListed at $649,000 · 92.4% of asking$228/sqftMLS# 2130036
3
Beds
2
Baths
2,636
Sq Ft
1995
Built
3
Garage
Yes
Pool
No HOA2.14 acresSingle Family Residence1 story

About this home

Keystone Heights

Welcome to this exceptional custom-built 3-bedroom, 2-bath brick home on 2 private acres in Keystone Heights. Originally built by respected local builder Terry Hall for himself, this 2,636 SQFT residence showcases quality craftsmanship and thoughtful design throughout. The property also includes a 435 SQFT ADU with full bath and private entrance—ideal for guests, multigenerational living, or rental potential. Inside, enjoy tile and wood floors, granite countertops, and a spacious kitchen designed for gathering. The master suite offers his-and-her closets for added comfort. Step outside to a heated swimming pool surrounded by beautiful hedges and manicured landscaping. The cleared acreage provides ample space for additional buildings or expansion. Situated on a private paved road, the property also features a 2-car attached garage, detached 1-car garage, and dedicated man cave space. A rare blend of privacy, quality, and flexibility.

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$3,323
Estimated total, before insurance$3,323/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$600,000
$120,000
Loan Term
Monthly Payment
$3,323
Principal & Interest: $3,323
Insurance (est.): $400
Estimated Total Monthly
$3,723
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; 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.

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 1995)

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

Solar potential: ~1,672 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

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.

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 $185/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
361 SE 34th Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTYSep 2025$450,000$1354/23,341620
433 SE 34th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJun 2026$421,000$1854/32,272610.1
241 SE 35th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYNov 2025$450,000$1984/32,272250.2
3901 State Rd 21, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCOct 2025$495,000$2144/22,318540.4
7877 State Road 21, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEMar 2026$399,990$1613/42,482870.6
7883 State Road 21, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJun 2025$365,000$1522/2.52,4071850.6

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$649,000
Price / Sq Ft$246
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,636
Total Structure Area3,976 sq ft
Acres2.14 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Screen Enclosure
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address378 SE 34th Street, Keystone Heights, FL 32656
Area523-Bradford County-SE
SubdivisionTwin Oaks
CityKeystone Heights
CountyBradford
StateFL
Zip Code32656
Lot Size93,218.4 sq ft
Lot Dimensions336x273
Parcel Number06034000305

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Electric Cooktop, Electric Oven, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Spa FeaturesIn Ground

Exterior

Lot DescriptionIrregular Lot
Patio / PorchScreened
RoofShingle
ConstructionBrick
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedFebruary 13, 2026
Days on Market14
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TREVOR WATERS REALTY, INC.

Sold by: EPIQUE REALTY, INC (buyer's brokerage)

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

This home sold on Apr 2, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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