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Sold

Sold·Closed May 5, 2026·60 days on market

7873 State Road 21

Keystone Heights, FL 32656

$115,000sold priceListed at $139,990 · 82.1% of asking$115/sqftMLS# 2131032
2
Beds
2
Baths
1,004
Sq Ft
1963
Built
—
Garage
No
Pool
No HOA13,068 sqft lotWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Fixer-Upper on Lake Geneva - Keystone Heights, Clay County, FL Opportunity awaits on beautiful Lake Geneva! This 2 bedroom, 2 full bath home sits on a .30-acre lake lot and offers a back porch that could potentially be converted into a 3rd bedroom, ready for you to make it your own. Property is on city water with private septic. Cash offers only. No owner financing or creative financing. No sight-unseen offers. All material facts are unknown. Buyer to conduct their own due diligence. Home requires a full remodel and is being sold as-is. Great opportunity for investors or buyers looking to add value in the Lake Geneva area.

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$637
Property taxesest. at asking price, Clay County$176
Estimated total, before insurance$813/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,965/yr · $164/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

$115,000
$23,000
Loan Term
Monthly Payment
$637
Principal & Interest: $637
Property taxes (est.): $176
Insurance (est.): $77
Estimated Total Monthly
$890
*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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,965/yr

Estimated taxes if purchased at asking price: ~$2,100/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, NEFMLS.

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 $195/sq ft; this home is listed at $139/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLCOct 2026$224,800$1913/21,1761390.7
553 SE 42 Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$262,000$2123/21,234210.7
4422 SE 2nd Avenue, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2025$239,900$1952/21,228580.7
445 Dove Street, Keystone Heights, FL 32656Listed by PLANTANA REALTY, INC.Jun 2025$157,500$1552/21,0192060.7
420 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by ASSIST 2 SELL BUYERS & SELLERS PREMIER REALTYApr 2025$237,000$1943/21,222220.7
465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$233,000$2133/21,092700.8

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$139,990
Price / Sq Ft$139
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,004
Acres0.30 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address7873 State Road 21, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionLakeview Highlands
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size13,068 sq ft
Parcel Number30082302241400000

Amenities

Community FeaturesFishing
UtilitiesElectricity Available, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingOther
ViewLake
Waterfront TypeLake Front

Interior

AppliancesNone
HeatingNone
CoolingNone
# of Stories1
LevelsOne

Exterior

Road SurfaceAsphalt, Paved
Road FrontageState Road

Additional Information

Date ListedFebruary 20, 2026
Days on Market60
Tax Amount$1,964.71
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

Sold by: EXIT INSPIRED REAL ESTATE (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 May 5, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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