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Active

Active·95 days on market

4940 Devils Den Road

Keystone Heights, FL 32656

$599,000$363/sqftEst. $3,054/moMLS# 2140809

Beds

Baths

1,650

Sq Ft

2016

Built

—

Garage

Pool

About this home

Keystone Heights

Experience the perfect blend of comfort, space, and privacy with this beautifully maintained 3-bedroom, 2-bath home offering 1,650 sq ft of heated and cooled living space and over 2,000 sq ft under roof. Step inside to find a freshly painted interior that feels bright, clean, and truly move-in ready, complemented by thoughtful updates and a functional layout designed for everyday living. Outside, the home is surrounded by refreshed landscaping, with the expansive 17+ acre property and access to Hartman Lake that provides endless possibilities, whether you're dreaming of privacy, space for animals, recreational use, or simply enjoying the peace and quiet of wide-open land. With plenty of room to spread out both inside and out, this property offers the rare opportunity to enjoy country living without sacrificing comfort. If you're looking for a homestead, a weekend escape, or a place to grow, this one checks all the boxes.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,054

Principal & Interest: $3,054

Property taxes (est.): $918

Insurance (est.): $399

Estimated Total Monthly

$4,371

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,054

Property taxesest. at asking price, Clay County$918

Estimated total, before insurance$3,972/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,930/yr · $494/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).

Cost to own

Taxes & assessment

Last sold: $370,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$365,292	$365,292	—
2024	$360,133	$360,133	—
2023	$353,955	$288,306	—
2022	$281,172	$262,097	—
2021	$238,270	$238,270	—
2020	$242,921	$240,728	—

2025 property taxes (current owner): $5,930/yr

Estimated taxes if purchased at asking price: ~$11,000/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 A — 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: material not specified — year not disclosed (home built 2016)

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).

Solar potential: ~1,509 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