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Sold

Sold·Closed May 7, 2026·51 days on market

6950 Deer Springs Road

Keystone Heights, FL 32656

$140,000sold priceListed at $150,000 · 93.3% of asking$96/sqftMLS# 2134150
3
Beds
2
Baths
1,456
Sq Ft
1987
Built
—
Garage
No
Pool
No HOA0.53 acresMobile Home1 story

About this home

Keystone Heights

Large home on Deer Springs lake. Detached carport on concrete slab, large lakeside deck and a shed to house lake toys and lawn equipment. Living room as well as a large family room with the kitchen in between. French doors off the dining room lead to the covered deck. Split bedroom plan, primary suite has large bath and closet. Roof was replaced in 2024. If you desire more property on the lake, the adjoining lot is also listed for sale (MLS #2112819).

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$775
Property taxesest. at asking price, Clay County$215
Estimated total, before insurance$990/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$749/yr · $62/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$140,000
$28,000
Loan Term
Monthly Payment
$775
Principal & Interest: $775
Property taxes (est.): $215
Insurance (est.): $93
Estimated Total Monthly
$1,083
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,624 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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

2025 property taxes (current owner): $749/yr

Estimated taxes if purchased at asking price: ~$2,600/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, NEFMLS.

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 $174/sq ft; this home is listed at $103/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7185 Gas Line Road, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEMar 2026$155,000$1273/21,22420.4
6757 Deer Springs Road, Keystone Heights, FL 32656Listed by AJ REALTY GROUP FLORIDA INCSep 2026$299,900$1743/21,720330.5
6279 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$221,500$1463/21,5122180.7
6266 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYApr 2026$315,000$2083/21,5153210.7
7577 Hot Springs Court, Keystone Heights, FL 32656Listed by COLDWELL BANKER SMITH AND SMITH REALTYOct 2026$288,000$1853/2.51,5602000.8
7159 State Road 21, Keystone Heights, FL 32656Listed by GAILEY ENTERPRISES LLCMay 2026$239,000$1662/21,44050.8

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.

Features

Price$150,000
Price / Sq Ft$103
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,456
Total Structure Area1,792 sq ft
Acres0.53 acres
Year Built1987
TypeResidential
Sub-TypeMobile Home
StyleTraditional
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address6950 Deer Springs Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionDeer Springs Estates
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size23,086.8 sq ft
Parcel Number09082300104104500
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport, Detached
ViewLake

Interior

Interior FeaturesPantry, Primary Bathroom - Tub with Shower, Split Bedrooms
AppliancesElectric Cooktop, Electric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionFew Trees
Patio / PorchCovered, Deck
RoofShingle
ConstructionVinyl Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedMarch 10, 2026
Days on Market51
Tax Amount$748.65
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: CW REALTY (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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