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Active

$350,0004 bd · 3 ba · 2,990 sq ft

Active·15 days on market

5975 County Road 352

Keystone Heights, FL 32656

$350,000$117/sqftEst. $1,908/mo mortgageMLS# 2143573
↓ $154,900 below original list
4
Beds
3
Baths
2,990
Sq Ft
1960
Built
4
Garage
No
Pool
Mostly Zone AENo HOA2.70 acresWaterfrontSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Keystone Heights

Amazing home just North of Keystone Heights on a large 2.7 acre parcel consisting of 2 lots Modified home with modern additions large home for the area. Peacful location with nature views. Lake side of the road with 2 access points on property. Huge 4 car garage with workshop space is a guys dream. Well and Septic gaurantees no utility rate hikes. Home is selling in AS IS Condition.Owner occupant buyers considered first 30 days of marketing Investor offers Day 31 Agents see private remarks ALL Offers must be submitted via Propooffers see below

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,908
Property taxesest. at asking price, Clay County$536
Estimated total, before insurance$2,445/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,256/yr · $438/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

$350,000
$70,000
Loan Term
Monthly Payment
$1,908
Principal & Interest: $1,908
Property taxes (est.): $536
Insurance (est.): $233
Estimated Total Monthly
$2,678
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Mostly in a high-risk flood zone: Zone AE (75%) of this 2.7-acre lot

The rest is Zone X (minimal) 25%. Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.

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: Metal — year not disclosed (home built 1960)

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

Likely septic · 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: ~1,477 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:46 AM, sunset 5:37 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$423,863$310,571—
2024$423,109$301,111—
2023$380,077$290,885—
2022$330,957$280,957—
2021$362,145$167,129—
2020$353,591$164,132—

2025 property taxes (current owner): $5,256/yr

Estimated taxes if purchased at asking price: ~$6,400/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

  • Oct 22, 2026Price change$350,000−$154,900
  • Oct 5, 2026Withdrawn$504,900
  • May 5, 2026Listed$504,900

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 $132/sq ft; this home is listed at $117/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5915 White Sands Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$250,000$973/22,5682100.4
7468 Bigbend Court, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLCApr 2026$289,900$1275/32,28010.8
5641 Silver Sands, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERYAug 2026$300,000$1325/32,280201
6730 Dunn Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYJan 2026$230,000$1064/22,1603301
5822 Silver Sands Circle, Keystone Heights, FL 32656Listed by ROBERT SLACK, LLC.Aug 2025$450,000$1493/23,020781
5419 County Road 352, Keystone Heights, FL 32656Listed by MOMENTUM REALTYSep 2026$420,000$1705/2.52,471911.2

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$350,000
Price / Sq Ft$117
Bedrooms4
Bathrooms3.00
Full Baths2
Half Baths2
Square Footage2,990
Acres2.70 acres
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages4
Has PoolNo
Is WaterfrontYes
Direction FacesSouth

School Information

This listingNo schools reported in the MLS
ElementaryMcrae, reported on 3 other Metes & Bounds listings
HighKeystone Heights, reported on 3 other Metes & Bounds listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address5975 County Road 352, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size117,612 sq ft
Parcel Number11082300121900000

Amenities

UtilitiesElectricity Connected
Water SourceWell
ParkingGarage
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s)
AppliancesDishwasher
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesDouble Sided
# of Stories1

Exterior

Patio / PorchFront Porch, Patio
RoofMetal
ConstructionBlock

Additional Information

Date ListedOctober 22, 2026
Days on Market15
Tax Amount$5,256.26
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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

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20+ years · 500+ closings · NE Florida

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