$445,000Pending3 bd · 2.5 ba · 1,728 sq ft
Pending·12 days on market
6261 Little Lake Geneva Road
Keystone Heights, FL 32656

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About this home
Keystone Heights
Welcome to the lake life on Little Lake Geneva. Beautiful maintained 3 bedroom 2 1/2 bath home is designed for both comfort and entertaining. The living area features an electric fireplace and a large triple sliding glass door that opens seamlessly to a screened back patio overlooking the lake bringing the outdoors in and showcasing the incredible water views. An updated kitchen open to the living room make it perfect for being with everyone and in the moment. Large primary bedroom offers its own private views of the water and access to the patio. Step out to your paver backyard entertainment space complete with a firepit, sitting area and lighting ideal for evenings on the water. Water and power have been run down to the lake for easy fish cleaning, and the floating dock makes enjoying the lake effortless. Custom cabinetry in the laundry room. Water softener in the garage. Make sure to check this one out.
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 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: Metal — year not disclosed (home built 2002)
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: ~1,705 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.
As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Cecil Field Conservation Corridorabout 29 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 2 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 4 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $398,541 | $72,305 | — |
| 2024 | $380,927 | $68,010 | — |
| 2023 | $353,826 | $62,971 | — |
| 2022 | $281,350 | $112,579 | — |
| 2021 | $215,649 | $107,830 | — |
| 2020 | $211,155 | $105,644 | — |
2025 property taxes (current owner): $1,945/yr
Estimated taxes if purchased at asking price: ~$8,200/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 28, 2026Pending$445,000
- Oct 28, 2026Withdrawn$445,000
- Jul 23, 2026Active Under Contract$445,000
- Feb 28, 2026Listed$445,000
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. Their median is $166/sq ft; this home is listed at $258/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6279 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $221,500 | $146 | 3/2 | 1,512 | 218 | 0.1 |
| 6266 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Apr 2026 | $315,000 | $208 | 3/2 | 1,515 | 321 | 0.1 |
| 6328 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLC | Jun 2026 | $240,000 | $119 | 3/3 | 2,010 | 59 | 0.3 |
| 6202 Furman Avenue, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $275,000 | $222 | 3/2 | 1,240 | 384 | 0.5 |
| 7159 State Road 21, Keystone Heights, FL 32656Listed by GAILEY ENTERPRISES LLC | May 2026 | $239,000 | $166 | 2/2 | 1,440 | 5 | 0.7 |
| 6950 Deer Springs Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $140,000 | $96 | 3/2 | 1,456 | 51 | 0.7 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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.
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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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