Pending·40 days on market
5535 Gila Street
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
BACK ON MARKET: Does not require flood insurance or tiedown retrofit. Home is move-in ready for ALL loan types. Previous sale fell through due to buyer's financing. 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
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, 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
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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Alpine Groves Parkabout 27 mi · 1 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 4 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 3 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:34 AM, sunset 6:50 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real sun without the western afternoon heat.
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
| 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: ~$3,500/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 13, 2026Pending$189,100
- Sep 30, 2026Price change$189,100−$10,800
- Sep 27, 2026Active$199,900
- Sep 12, 2026Active Under Contract$199,900
- Aug 13, 2026Pending$199,900
- Jul 29, 2026Price change$199,900−$10,000
- Feb 20, 2026Listed$209,900
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 $201/sq ft; this home is listed at $140/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5521 Gila Street, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INC | Aug 2026 | $125,000 | $111 | 2/2 | 1,126 | 10 | 0.1 |
| 5518 Gila Street, Keystone Heights, FL 32656Listed by CENTURY 21 LIGHTHOUSE REALTY | Feb 2026 | $224,000 | $143 | 4/2 | 1,568 | 104 | 0.1 |
| 7602 E Osceola Court E, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jan 2026 | $259,900 | $205 | 3/2 | 1,267 | 32 | 0.2 |
| 5640 Cherokee Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Mar 2026 | $255,000 | $201 | 3/2 | 1,267 | 180 | 0.3 |
| 5493 Coronado Street, Keystone Heights, FL 32656Listed by JAX HOME REALTY | Jun 2026 | $177,000 | $154 | 3/2 | 1,152 | 25 | 0.4 |
| 7623 El Dorado Avenue, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Dec 2025 | $254,900 | $201 | 3/2 | 1,267 | 0 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW 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
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