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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 18, 2026·61 days on market

433 SE 34th Street

Keystone Heights, FL 32656

$421,000sold priceListed at $435,000 · 96.8% of asking$185/sqftMLS# 2135662
4
Beds
3
Baths
2,272
Sq Ft
2026
Built
2
Garage
No
Pool
No HOA1.04 acresSingle Family Residence1 storyNew construction

About this home

Keystone Heights

Don't miss this opportunity own your dream home on a generous lot with room to grow! Nestled on a beautiful, 1 acre lot, this property offers 4 bedrooms, 3 bathrooms, an office and a 2-car garage, providing ample space for your family and lifestyle. In addition to the primary bathroom, there is an additional bedroom with an ensuite bath. The kitchen features 42'' cabinetry with soft-close drawers, quartz countertops, and an unforgetable walk-in pantry with built in shelves. Enjoy the benefits of a split floor plan and modern finishes. With no HOA or CDD you have the freedom to make this property truly your own!! Please note property is not yet completed and final specs may vary. Estimated Completion May 2026.

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$2,332
Estimated total, before insurance$2,332/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$421,000
$84,200
Loan Term
Monthly Payment
$2,332
Principal & Interest: $2,332
Insurance (est.): $281
Estimated Total Monthly
$2,613
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 $184/sq ft; this home is listed at $191/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1339 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$488,500$2004/32,44660.8
618 SE 44th Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$300,000$1842/21,6332870.8
6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYNov 2025$375,000$2083/21,8043470.8
4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTYSep 2026$357,000$1772/22,015211.1
645 Shady Lane, Keystone Heights, FL 32656Listed by COLDWELL BANKER VANGUARD REALTYAug 2025$250,000$1393/21,796321.3
7480 Paradise Lake Drive, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTYJul 2026$322,000$1844/21,7521481.4

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$435,000
Price / Sq Ft$191
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,272
Acres1.04 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleBradford
HighBradford

Community Information

Address433 SE 34th Street, Keystone Heights, FL 32656
Area523-Bradford County-SE
SubdivisionMetes & Bounds
CityKeystone Heights
CountyBradford
StateFL
Zip Code32656
Lot Size45,302.4 sq ft
Parcel Number06034000114

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Range, Freezer, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Lot DescriptionAgricultural, Cleared

Additional Information

Date ListedMarch 19, 2026
Days on Market61
Listing TermsCash, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: RIVER CITY RENTALS AND REALTY

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 Jun 18, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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