Active Under Contract·134 days on market
7577 Hot Springs Court
Keystone Heights, FL 32656
About this home
Keystone Heights
2024 home on 2 fully fenced acres in Keystone Heights with NO HOA. This thoughtfully designed 3-bedroom, 2.5-bath split floor plan features a bright open living area and a spacious kitchen with a large center island, soft-close cabinetry, and full appliance package highlighted by the oversize refrigerator. Seamless textured walls throughout create a clean, finished look that feels like site-built construction. The private primary suite offers a walk-in closet and soaking/garden tub, and step in shower. Two additional bedrooms share a Jack and Jill bath, plus a convenient half bath off the laundry area (washer and dryer included). Two gated entrances provide easy access with plenty of room for boats, RVs, animals, or future additions. New well and septic installed in 2024. Acreage, privacy, and modern design all in one package. Comcast high speed internet is available. Also includes Parcel #14-08-23-001437-385-00
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
Last sold: $20,000 in January 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $229,830 | $179,108 | — |
| 2024 | $16,500 | $16,500 | — |
| 2023 | $16,000 | $16,000 | — |
| 2022 | $9,000 | $8,800 | — |
| 2021 | $8,000 | $8,000 | — |
| 2020 | $8,000 | $7,700 | — |
2025 property taxes (current owner): $3,251/yr
Estimated taxes if purchased at asking price: ~$5,500/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.
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: material not specified — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,628 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
- Mar 3, 2026Listed$299,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER SMITH AND SMITH REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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