Active·128 days on market
5711 Caribbean Circle
Keystone Heights, FL 32656
About this home
Keystone Heights
Enjoy peaceful living at this well maintained 2014 manufactured home which offers 3 bedrooms and 2 full baths. Features include a wood burning fireplace, and a large functional kitchen with walk-in pantry and 2 ovens. Upgraded tray ceilings, drywall interior, crown molding, and widened interior doors. Large master bathroom equipped with grab bars. The spacious laundry/utility room includes a sink and cabinets for storage. Enjoy outdoor living from the covered front porch or the back deck with a half covered roof. Property includes a 2 car detached garage with an attached office or workshop space equipped with A/C, a 16'x24' garage/workshop with 220 amp service, and an aluminum shed for additional storage. Outdoor amenities include a gazebo and private dock overlooking Smith Lake. Located in Big Tree Lakes just outside of town, minutes away from local restaurants, shopping, Gold head State Park, Keystone Beach, and the airport.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $251,924 | $54,746 | — |
| 2024 | $247,173 | $52,355 | — |
| 2023 | $230,808 | $49,229 | — |
| 2022 | $180,968 | $50,694 | — |
| 2021 | $148,739 | $47,747 | — |
| 2020 | $128,026 | $46,391 | — |
2025 property taxes (current owner): $1,354/yr
Estimated taxes if purchased at asking price: ~$5,200/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 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 2014)
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: ~1,609 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 9, 2026Listed$285,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HELEN HERSEY REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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