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Sold

Sold·Closed Sep 24, 2026·135 days on market

6745 Damascus Road

Keystone Heights, FL 32656

$245,000sold priceListed at $245,000 · 100% of asking$213/sqftMLS# 2140132
4
Beds
2
Baths
1,152
Sq Ft
2008
Built
—
Garage
No
Pool
FEMA Zone AENo HOA1.32 acresSingle Family Residence1 story

About this home

Keystone Heights

Escape to serenity, where this charming 4-bedroom, 2 bath home offers the perfect blend of comfort and country living in Keystone Heights. Situated on a generous 1.32 acre lot, this property provides ample space to enjoy the peaceful Florida landscape, whether you're gardening, entertaining, or simply soaking in the quiet surroundings. The heart of this home is elevated by a beautifully added screened-in back porch, creating an effortless indoor-outdoor flow. It is the perfect spot to enjoy your morning coffee or relax in the evening while taking in the expansive views of your private backyard. Inside, you will find a light-filled 1,152 sq ft plan featuring modern updates. The well-appointed kitchen, complete with stainless steel appliances, makes daily living and hosting a breeze. With its combination of a peaceful, spacious lot and move in ready interior, this home offers incredible value for those seeking a tranquil retreat.

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$1,357
Property taxesest. at asking price, Clay County$375
Estimated total, before insurance$1,733/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,199/yr · $183/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

$245,000
$49,000
Loan Term
Monthly Payment
$1,357
Principal & Interest: $1,357
Property taxes (est.): $375
Insurance (est.): $163
Estimated Total Monthly
$1,896
*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.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2008)

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

Septic system (public record) · Private well (public record)

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).

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.

Cost to own

Taxes & assessment

Last sold: $253,000 in June 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$189,807$110,143—
2024$186,932$106,332—
2023$181,558$181,558—
2022$146,984$133,123—
2021$121,021$121,021—
2020$117,088$117,088—

2025 property taxes (current owner): $2,199/yr

Estimated taxes if purchased at asking price: ~$4,500/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

  • Sep 24, 2026Closed$245,000
  • Aug 28, 2026Pending$245,000
  • Apr 15, 2026Listed$245,000

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 $203/sq ft; this home is listed at $213/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5493 Coronado Street, Keystone Heights, FL 32656Listed by JAX HOME REALTYJun 2026$177,000$1543/21,152252.1
5659 County Road 352, Keystone Heights, FL 32656Listed by BWEALTHY REALTY LLCAug 2026$217,000$2611/1.583232.3
6342 Golden Oak Lane, Keystone Heights, FL 32656Listed by MOMENTUM REALTYJul 2026$300,000$2083/21,440232.3
5521 Gila Street, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INCAug 2026$125,000$1112/21,126102.4
7575 Monongahela Avenue, Keystone Heights, FL 32656Listed by HATCH REALTY SERVICESMay 2026$290,000$2033/21,42872.5

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$245,000
Price / Sq Ft$213
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,152
Acres1.32 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address6745 Damascus Road, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size57,499.2 sq ft
Parcel Number07082400697000100

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionVinyl Siding

Additional Information

Date ListedApril 15, 2026
Days on Market135
Tax Amount$2,199.27
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EPIQUE REALTY, INC

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 Sep 24, 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.

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