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Sold

Sold·Closed May 13, 2026·0 days on market

443 SE 43rd Street

Keystone Heights, FL 32656

$359,900sold priceListed at $359,900 · 100% of asking$228/sqftMLS# 2145042
3
Beds
2
Baths
1,576
Sq Ft
2026
Built
2
Garage
No
Pool
No HOA14,375 sqft lotSingle Family Residence1 storyNew construction

About this home

Keystone Heights

Welcome home to this brand new 3 bedroom, 2 bathroom home on a spacious .33-acre lot, thoughtfully designed with stylish upgrades throughout. An impressive 8-foot front door leads into an open-concept layout with soaring 10-foot ceilings in the kitchen and dining area. The kitchen features a custom-built pantry, while custom closet features add functionality throughout the home. The primary suite offers a relaxing retreat with a tray ceiling and stylish accent wall. The en-suite bathroom includes upgraded tile and a glass-enclosed shower for a spa-like feel. The guest bathroom also features upgraded tile, creating a cohesive, elevated look. Enjoy the perfect blend of indoor comfort and outdoor space in this beautifully designed home.

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$1,993
Estimated total, before insurance$1,993/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$359,900
$71,980
Loan Term
Monthly Payment
$1,993
Principal & Interest: $1,993
Insurance (est.): $240
Estimated Total Monthly
$2,233
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; 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 — year not disclosed (home built 2026)

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

Solar potential: ~1,626 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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

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 $208/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
484 SE 44th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTYAug 2026$280,000$2083/21,3441430
618 SE 44th Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$300,000$1842/21,6332870.2
653 SE 44th Street, Keystone Heights, FL 32656Listed by WATSON REALTY CORPJul 2026$295,000$2403/21,230380.2
4455 SE 3rd Place, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYMar 2026$359,000$1803/22,000830.2
553 SE 42 Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$262,000$2123/21,234210.2
4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTYSep 2026$357,000$1772/22,015210.3

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$359,900
Price / Sq Ft$228
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,576
Total Structure Area2,348 sq ft
Acres0.33 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleBradford
HighBradford

Community Information

Address443 SE 43rd Street, Keystone Heights, FL 32656
Area523-Bradford County-SE
SubdivisionKeystone Club Est
CityKeystone Heights
CountyBradford
StateFL
Zip Code32656
Lot Size14,374.8 sq ft
Parcel Number05935000000
ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer, Septic Tank
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
FencingBack Yard, Privacy
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 13, 2026
Days on Market0
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CW REALTY

Sold by: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (buyer's brokerage)

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 May 13, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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