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Active Under Contract

Active Under Contract·145 days on market

6261 Little Lake Geneva Road

Keystone Heights, FL 32656

$445,000$258/sqftEst. $2,269/moMLS# 2132444

Beds

Baths

1,728

Sq Ft

2002

Built

Garage

Pool

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

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,269

Principal & Interest: $2,269

Property taxes (est.): $682

Insurance (est.): $297

Estimated Total Monthly

$3,248

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,269

Property taxesest. at asking price, Clay County$682

Estimated total, before insurance$2,951/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,945/yr · $162/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).

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.

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.

Ask about this home

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 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.

History