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Sold

Sold·Closed Jun 17, 2026·16 days on market

5921 County Road 352

Keystone Heights, FL 32656

$316,000sold priceListed at $335,000 · 94.3% of asking$316/sqftMLS# 2139190
3
Beds
2
Baths
1,000
Sq Ft
1982
Built
—
Garage
No
Pool
No HOA1.06 acresWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Lakeside Living at Its Finest...Discover the perfect blend of comfort, space, and natural beauty at this stunning property on White Sands Lake. This home offers the peace and privacy of country living while keeping you just minutes from local dining, shopping, and top-rated schools. Step inside to find bright open living space, and panoramic views of the lake. This upgraded home you will surely don't want to miss. New paint interior and exterior, bathrooms all new tile showers, vanities, toilets, flooring and lighting. All new kitchen cabinets, appliances, quartz countertop and designer backsplash. New butcher block island with enclosed microwave. New lighting throughout the house including closets. New tile flooring throughout to include porches. New interior doors and hardware. New French doors and picture windows. New drywall and knockdown ceilings. New electrical panel and 50amp RV hook-up, plumbing. New Pella windows Jan 2026. New wood columns and T&G pine ceiling on both porches.

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$1,750
Property taxesest. at asking price, Clay County$484
Estimated total, before insurance$2,235/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,030/yr · $169/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

$316,000
$63,200
Loan Term
Monthly Payment
$1,750
Principal & Interest: $1,750
Property taxes (est.): $484
Insurance (est.): $211
Estimated Total Monthly
$2,445
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 — year not disclosed (home built 1982)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,321 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 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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: $230,000 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$190,474$99,067—
2024$188,951$95,568—
2023$166,488$154,134—
2022$145,939$140,122—
2021$127,384$127,384—
2020$124,569$124,569—

2025 property taxes (current owner): $2,030/yr

Estimated taxes if purchased at asking price: ~$5,800/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.

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 $154/sq ft; this home is listed at $335/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5659 County Road 352, Keystone Heights, FL 32656Listed by BWEALTHY REALTY LLCAug 2026$217,000$2611/1.583230.6
5493 Coronado Street, Keystone Heights, FL 32656Listed by JAX HOME REALTYJun 2026$177,000$1543/21,152251.8
6202 Furman Avenue, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$275,000$2223/21,2403841.9
5521 Gila Street, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INCAug 2026$125,000$1112/21,126101.9
6319 Bucknell Avenue, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INCMay 2026$55,000$701/1784492.8
6336 Bucknell Avenue, Keystone Heights, FL 32656Listed by RAYTOWN HOMES & REALTY PLLCFeb 2026$50,000$433/21,152382.8

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$335,000
Price / Sq Ft$335
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,000
Total Structure Area1,620 sq ft
Acres1.06 acres
Year Built1982
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address5921 County Road 352, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMckay Manor
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size46,173.6 sq ft
Lot Dimensions80X606
Parcel Number11082300120700100
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAttached Carport, Covered, RV Access/Parking
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesKitchen Island, Open Floorplan, Walk-In Closet(s)
AppliancesGas Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringTile
# of Stories1
LaundryIn Carport

Exterior

Patio / PorchCovered, Deck, Front Porch, Patio, Porch
FencingChain Link
RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedApril 9, 2026
Days on Market16
Tax Amount$2,030.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HELEN HERSEY 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 17, 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.

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20+ years · 500+ closings · NE Florida

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