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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 15, 2026·31 days on market

5625 Caribbean Circle

Keystone Heights, FL 32656

$267,000sold priceListed at $279,000 · 95.7% of asking$113/sqftMLS# 2142086
4
Beds
2
Baths
2,356
Sq Ft
2006
Built
—
Garage
No
Pool
No HOA2.26 acresManufactured Home1 story

About this home

Keystone Heights

2+Acres listed in the heart of Keystone Heights with sought after lakes like Lake Geneva and Lake Brooklyn, offering easy access to boating, fishing, and waterfront recreation. This spacious 4-bedroom, 2-bath home offers the perfect blend of peaceful living and outdoor adventure. Situated on 2.26 acres, this property provides room to spread out, unwind. Roof was replaced in 2021. New for April 2026: water heater, water softener, well tank, new plush carpet and pad in all 4 bedrooms and closets. With 2,356 square feet of living space, the home features generous living areas, ideal for both everyday comfort and entertainment. Step outside and enjoy the added bonus of two storage sheds and a greenhouse with water. Enjoy a ''tucked away'' feel without being isolated--conveniently located with easy access to both Gainesville and Jacksonville for work, shopping, dining, and entertainment.

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$1,479
Property taxesest. at asking price, Clay County$409
Estimated total, before insurance$1,888/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,064/yr · $89/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

$267,000
$53,400
Loan Term
Monthly Payment
$1,479
Principal & Interest: $1,479
Property taxes (est.): $409
Insurance (est.): $178
Estimated Total Monthly
$2,066
*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.

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: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,632 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

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

YearMarket valueTaxable valueChange
2025$248,598$35,725—
2024$237,491$34,011—
2023$222,693$31,565—
2022$165,826$29,190—
2021$132,457$26,884—
2020$111,471$25,823—

2025 property taxes (current owner): $1,064/yr

Estimated taxes if purchased at asking price: ~$4,900/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.

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 $170/sq ft; this home is listed at $118/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLCAug 2026$269,900$1355/32,000130.1
5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJul 2026$360,000$2003/21,800280.7
5419 County Road 352, Keystone Heights, FL 32656Listed by MOMENTUM REALTYSep 2026$420,000$1705/2.52,471910.8
5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTYJun 2026$275,000$1533/11,8002141.2
5533 Coronado Street, Keystone Heights, FL 32656Listed by MAXREV, LLCJun 2026$355,000$1645/32,160421.4
7550 Monongahela Avenue, Keystone Heights, FL 32656Listed by TEAM DURGIN REALTY INCAug 2026$520,000$2034/2.52,5641991.6

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$279,000
Price / Sq Ft$118
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,356
Total Structure Area2,356 sq ft
Acres2.26 acres
Year Built2006
TypeResidential
Sub-TypeManufactured Home
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address5625 Caribbean Circle, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionBig Tree Lakes
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size98,445.6 sq ft
Parcel Number12082300143786247
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Available, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingCarport, Detached, Detached Carport
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCleared, Irregular Lot, Many Trees
Patio / PorchPorch, Rear Porch
FencingFenced, Full, Wire
RoofShingle
ConstructionOther, Frame
Other StructuresGreenhouse, Shed(s), Workshop
Road SurfaceDirt
Road FrontagePrivate Road

Additional Information

Date ListedApril 27, 2026
Days on Market31
Tax Amount$1,064.23
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 15, 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.

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20+ years · 500+ closings · NE Florida

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