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Active

Active·34 days on market

5784 County Road 214

Keystone Heights, FL 32656

$269,900$135/sqftEst. $1,388/moMLS# 2139411

Beds

Baths

2,000

Sq Ft

2025

Built

—

Garage

Pool

About this home

Keystone Heights

Just Listed! Discover this beautifully designed 5-bedroom, 3-bath new home situated on over an acre of private, peaceful land. This light and bright split floor plan boast luxury vinyl flooring throughout, modern stainless-steel appliances, and even a cozy built-in coffee bar. With ample space, you'll have the perfect spot for a home office, hobby room, or additional flex space to suit your needs. Whether you're a first-time homebuyer or searching for your forever home, this property delivers comfort, functionality, and room to grow. Enjoy being close to downtown Keystone, with nature activities and outdoor adventures just minutes away. Sod around the home and a stone walkway have been installed. Pictures to come. Don't miss your chance to own this private country retreat!

Cost to own

Mortgage calculator

Home Price

$269,900

Down Payment: 20%

$53,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,388

Principal & Interest: $1,388

Property taxes (est.): $414

Insurance (est.): $180

Estimated Total Monthly

$1,981

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$1,388

Property taxesest. at asking price, Clay County$414

Estimated total, before insurance$1,801/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.

Cost to own

Taxes & assessment

Last sold: $160,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$23,000	$23,000	—
2024	$16,500	$10,648	—
2023	$16,000	$9,680	—
2022	$9,000	$8,800	—
2021	$8,000	$8,000	—
2020	$8,000	$7,700	—

2024 property taxes (current owner): $400/yr

Estimated taxes if purchased at asking price: ~$5,000/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 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: material not specified — year not disclosed (home built 2025)

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

Solar potential: ~1,765 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

As 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.

History