Active·72 days on market
465 SE Palmetto Avenue
Keystone Heights, FL 32656
About this home
Keystone Heights
Adorable and updated CB home located on a corner lot in the historic district of downtown Keystone Heights. Comfortable kitchen, dining and living rooms. Bedrooms are generously sized @ 15x13 & 15x11. Laundry room located off kitchen & carport. Conveniently located for easy walks to the library, tennis courts & Lake Geneva. Updates include roof (added insulation), windows, bathroom, electrical, plumbing, water heater, porcelain bidet, cast iron tub, copper sink, whole house attic fan & blinds on porch. Fenced side yard houses a detached shed and room for a garden & extra parking. Owner began permaculture medicinal, fruit & vegetable garden areas that include mulberries, eucalyptus, Meyer lemon, fig trees, concord grapes, turmeric, cardamon, herbs, ginger shampoo plant, jasmine & other succulents & flowering plants. Screened porch is great for morning coffee and evening sunsets! Great AirBnB potential located near downtown and offers a short walk to shopping, parade route & fireworks!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $170,000 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $162,231 | $51,532 | — |
| 2024 | $160,507 | $49,373 | — |
| 2023 | $147,025 | $138,326 | — |
| 2022 | $125,751 | $125,751 | — |
| 2021 | $120,001 | $28,517 | — |
| 2020 | $77,433 | $27,433 | — |
2025 property taxes (current owner): $1,424/yr
Estimated taxes if purchased at asking price: ~$5,500/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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 1959)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water · Clay County Utilities
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: ~1,480 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 homeAs 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
Price & status history
- May 12, 2026Listed$297,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines