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Active

Active·136 days on market

5040 Sagebrush Avenue

Keystone Heights, FL 32656

$985,000$427/sqftEst. $5,022/moMLS# 2133886

Beds

Baths

2,308

Sq Ft

2009

Built

—

Garage

Pool

About this home

Keystone Heights

Set on 10.18 acres in Keystone Heights, this 3-bedroom, 2.5-bath custom Cypress D-log home offers 2,308 square feet of living space with a rare combination of quality craftsmanship, usable acreage, and thoughtfully designed improvements. Built in 2009, the property includes approximately 5 fully fenced and cross-fenced acres ready for horses, livestock, or other agricultural pursuits. With no HOA, owners have the freedom to enjoy the property and its many amenities without additional association restrictions. Constructed on a reinforced monolithic slab with solid stem walls, the home features 6-inch Cypress logs with gasketed runs and lag bolt reinforcement. Exterior logs and porch areas were freshly stained in January 2025, and a durable metal roof adds long-term value and low-maintenance appeal. Inside, ¾-inch solid Tiger Mahogany flooring spans the main level, while tongue-and-groove knotty pine enhances the upstairs living areas. Slate tile is featured in

Cost to own

Mortgage calculator

Home Price

$985,000

Down Payment: 20%

$197,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,022

Principal & Interest: $5,022

Property taxes (est.): $1,510

Insurance (est.): $657

Estimated Total Monthly

$7,188

*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$5,022

Property taxesest. at asking price, Clay County$1,509

Estimated total, before insurance$6,532/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,044/yr · $254/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	$442,413	$165,542	—
2024	$438,270	$160,170	—
2023	$430,757	$154,049	—
2022	$339,064	$148,106	—
2021	$284,727	$142,336	—
2020	$277,297	$139,681	—

2025 property taxes (current owner): $3,044/yr

Estimated taxes if purchased at asking price: ~$18,100/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 2009)

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: ~1,673 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

Price & status history

Mar 9, 2026Listed$985,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$985,000

Price / Sq Ft$427

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,308

Acres10.18 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

StyleLog, Ranch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Community Information

Address5040 Sagebrush Avenue, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionKeystone Heights

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size443,440.8 sq ft

Parcel Number16072400690100301

Amenities

UtilitiesElectricity Connected, Propane

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Carport, Circular Driveway, Gated, RV Access/Parking, Other

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Oven, Gas Cooktop, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)