Active·145 days on market
5535 Gila Street
Keystone Heights, FL 32656
About this home
Keystone Heights
This spacious 3/2 sits on an oversized lot just outside of town, offering the perfect balance of privacy and convenience. Step inside to find fresh interior paint and brand-new carpet throughout, creating a clean and move-in-ready feel from the moment you enter. Brand new updated tile shower adds modern comfort, while the covered porch provides the ideal spot to ease into your mornings or unwind in the evenings. A whole-home water filtration system adds everyday value and peace of mind. Enjoy the privacy of a rural setting with no HOA, with the comfort of paved roads. Perfect central location for quick commuting to Palatka, Orange Park, Jax, or Gainesville. Zoned for ''A'' rated McRae Elementary and ''B'' rated KHHS. Home qualifies for 0% down through DPA. Some photos have been virtually staged.
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $127,926 | $99,744 | — |
| 2024 | $121,529 | $90,677 | — |
| 2023 | $110,994 | $82,434 | — |
| 2022 | $87,730 | $74,940 | — |
| 2021 | $68,443 | $68,128 | — |
| 2020 | $61,935 | $61,935 | — |
2025 property taxes (current owner): $2,056/yr
Estimated taxes if purchased at asking price: ~$3,900/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Metal — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,697 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Feb 20, 2026Listed$209,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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