Active·192 days on market
130 SW Peach Street
Keystone Heights, FL 32656
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Keystone Heights
Welcome to easy Florida living just a short stroll from the sandy shoreline of Lake Geneva. This charming 3 bed, 2 bath, 1,472 sq ft home sits on an oversized, tree-shaded lot on a quiet street--perfect for morning walks and backyard play. Inside, you'll love the large, open living spaces, upgraded bathrooms, and a one-car extended garage for extra storage and/or a workshop. Step outside and the lifestyle really shines. Pop over to Keystone Beach/Geneva Jungle for swims, picnics, and playground time, or launch a day of boating and fishing on Lake Geneva's waters. Walking distance to Keystone Heights Elementary and Keystone Heights High School. The Palatka-to-Lake Butler State Trail offers miles of paved biking and walking just minutes away, and you're about 25-35 minutes to Gainesville for work, Gator games, and city amenities. It's the laid-back, small-town pace with big-timewhere you live. Square footage received from tax rolls.
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, 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
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 1962)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · Clay County Utilities
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: ~1,362 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $269,900 in July 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $220,443 | $169,721 | — |
| 2024 | $217,449 | $167,449 | — |
| 2023 | $198,369 | $148,773 | — |
| 2022 | $164,605 | $135,249 | — |
| 2021 | $122,954 | $122,954 | — |
| 2020 | $116,049 | $116,049 | — |
2024 property taxes (current owner): $3,654/yr
Estimated taxes if purchased at asking price: ~$5,100/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.
History
Price & status history
- Apr 1, 2026Listed$275,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $195/sq ft; this home is listed at $187/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 645 Shady Lane, Keystone Heights, FL 32656Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2025 | $250,000 | $139 | 3/2 | 1,796 | 32 | 0.2 |
| 635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTY | Jul 2026 | $272,500 | $195 | 3/2 | 1,398 | 6 | 0.3 |
| 430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLC | Oct 2026 | $224,800 | $191 | 3/2 | 1,176 | 139 | 0.5 |
| 475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Oct 2026 | $185,000 | $136 | 3/1.5 | 1,360 | 46 | 0.6 |
| 465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $233,000 | $213 | 3/2 | 1,092 | 70 | 0.6 |
| 6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Nov 2025 | $375,000 | $208 | 3/2 | 1,804 | 347 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines