Active·99 days on market
6414 Bowdoin Avenue
Keystone Heights, FL 32656
About this home
Keystone Heights
BUYER BONUS! The builder is offering a $5,000 incentive with an accepted offer! Use it toward closing costs, new furniture, or even a riding lawn mower, the choice is yours. More value, more savings, and more reasons to make this beautiful home yours! Welcome to this beautiful 3 bedroom, 2 bath home featuring an open floor plan and desirable split-bedroom layout designed for both comfort and functionality. The spacious kitchen offers casual dining and entertaining, all flowing seamlessly into the main living area. A 1-car garage adds convenience and extra storage. Built with efficiency in mind, this home features foam insulation in the attic and blown cellulose insulation in the walls, delivering superior comfort and energy savings of approximately 1/3 on your monthly electric bill. Step outside and enjoy everything this area has to offer, small-town charm, nearby parks, Rails-to-Trails for walking and biking, and multiple lakes for fishing, boating, and water sports.
Cost to own
Mortgage calculator
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $10,500 | $10,500 | — |
| 2024 | $10,500 | $10,500 | — |
| 2023 | $10,500 | $10,450 | — |
| 2022 | $9,500 | $9,500 | — |
| 2021 | $9,500 | $9,500 | — |
| 2020 | $9,500 | $9,500 | — |
Estimated taxes if purchased at asking price: ~$4,800/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.
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: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,648 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 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.
History
Price & status history
- Apr 15, 2026Listed$259,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Highridge Estates
Active$259,900MLS# 2146661Est. $1,383/mo7136 Pembroke Street, Keystone Heights, FL 326563 Beds2 Baths1,600 sqftNice lot in wonderful Keystone Heights. Will have a BRAND NEW 2027 Champion Home on it. 3 bedrooms/2 full baths, 1600…
ResidentialLANTERN REALTY, LLC.
Active$244,900MLS# 2151113Est. $1,303/mo6396 Amherst Avenue, Keystone Heights, FL 326563 Beds2 Baths1,227 sqftWelcome to this stunning new construction 3-bedroom, 2-bathroom home designed with modern comfort and everyday…
ResidentialJULIE MORROW PREMIER REALTY INC
Active$275,000MLS# 2104135Est. $1,464/mo6202 Furman Avenue, Keystone Heights, FL 326563 Beds2 Baths1,240 sqftBUYER BONUS! The builder is offering a $5,000 incentive with an accepted offer! Use it toward closing costs, new…
ResidentialFLORIDA HOMES REALTY & MTG LLC
Active$275,000MLS# 2107829Est. $1,464/mo6330 Alliance Avenue, Keystone Heights, FL 326563 Beds2 Baths1,240 sqftBUYER BONUS! The builder is offering a $5,000 incentive with an accepted offer! Use it toward closing costs, new…
ResidentialFLORIDA HOMES REALTY & MTG LLC
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines