Sold·Closed Jun 23, 2026·20 days on market
628 SE 52nd Street
Keystone Heights, FL 32656
About this home
Keystone Heights
Clean and move-in ready 3 bedroom, 2 bath home on a one acre lot in Keystone Heights! Room to grow and space to spread out. This well-kept home features a 24 x 40 barn/workshop with electric roll-up door and a lean-to carport. Unwind and enjoy peaceful living from the screened back porch, overlooking private yard with plenty of room to spread out. Seller continues to update home. Bath - new cabinet w/quartz countertop and water closet. Master bath - new cabinet, shower and linen tower. Kitchen- stove double oven 2025, refrigerator approx. 8 years, light fixture replaced. Hot water heater 2025. Roof and HVAC 2017. Great location, space and endless potential. Easy commute to Gainesville, Jacksonville and Palatka.
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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Metal — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,680 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 homeThis 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
2025 property taxes (current owner): $795/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. Sources: Florida DOR certified tax roll, 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 $220/sq ft; this home is listed at $250/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 426 SE 49th Street, Keystone Heights, FL 32656Listed by UNITED COUNTRY SMITH & ASSOCIATES | Jun 2025 | $320,000 | $220 | 3/2 | 1,455 | 24 | 0.3 |
| 499 58th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Sep 2026 | $237,000 | $160 | 3/1.5 | 1,484 | 18 | 0.6 |
| 7015 King Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2025 | $375,000 | $284 | 2/1 | 1,320 | 157 | 0.6 |
| 484 SE 44th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Aug 2026 | $280,000 | $208 | 3/2 | 1,344 | 143 | 0.9 |
| 653 SE 44th Street, Keystone Heights, FL 32656Listed by WATSON REALTY CORP | Jul 2026 | $295,000 | $240 | 3/2 | 1,230 | 38 | 0.9 |
| 4193 SE 8th Avenue, Melrose, FL 32666Listed by CW REALTY | Jun 2026 | $249,900 | $178 | 3/2 | 1,404 | 78 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 23, 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.
Northeast Florida living
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