$420,000Sold5 bd · 2.5 ba · 2,471 sq ft
Sold·Closed Sep 18, 2026·91 days on market
5419 County Road 352
Keystone Heights, FL 32656
About this home
Keystone Heights
Escape the busy city and discover your own retreat where country living meets timeless charm. This stunning 5 bd, 2.5 ba lakefront property offers breathtaking wildlife views, serene surroundings and the convenience of paved road access. A dramatic great room with soaring ceilings and a striking stone fireplace greet you as you step through the front door. All main living spaces are located on the lower level with a library loft and 5th bedroom upstairs. The primary suite offers a walk-in closet and ensuite bathroom with a tub/shower combination. The 3 additional first floor guest bedrooms share Jack and Jill style bathrooms with a central stand-up shower room. The kitchen, breakfast bar and dining area overlook the serene views of the backyard and lake. Outdoor living is just as impressive with 0.63+ acres. Property offers a screened gazebo with electric and ceiling fan, a detached oversized two-car garage with workshop area, and a separate storage shed for your tools and equipment.
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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1976)
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: ~1,621 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 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, 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.
Closest park or preserve
Alpine Groves Parkabout 26 mi · 1 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 4 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 1 mi · Little Lake Johnson
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $324,065 | $104,164 | — |
| 2024 | $314,230 | $100,521 | — |
| 2023 | $298,059 | $96,137 | — |
| 2022 | $255,833 | $91,881 | — |
| 2021 | $205,589 | $87,749 | — |
| 2020 | $185,294 | $85,848 | — |
2025 property taxes (current owner): $2,108/yr
Estimated taxes if purchased at asking price: ~$7,700/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
- Sep 18, 2026Closed$445,000
- Sep 15, 2026Pending$445,000
- Aug 13, 2026Active Under Contract$445,000
- May 14, 2026Listed$445,000
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 $153/sq ft; this home is listed at $170/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5500 County Road 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jan 2026 | $360,000 | $196 | 4/2 | 1,835 | 8 | 0.3 |
| 5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2026 | $275,000 | $153 | 3/1 | 1,800 | 214 | 0.5 |
| 5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLC | Aug 2026 | $269,900 | $135 | 5/3 | 2,000 | 13 | 0.7 |
| 5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $360,000 | $200 | 3/2 | 1,800 | 28 | 0.7 |
| 7468 Bigbend Court, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLC | Apr 2026 | $289,900 | $127 | 5/3 | 2,280 | 1 | 0.7 |
| 5625 Caribbean Circle, Keystone Heights, FL 32656Listed by MOMENTUM REALTY | Jun 2026 | $267,000 | $113 | 4/2 | 2,356 | 31 | 0.8 |
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: MOMENTUM REALTY
Sold by: FLORIDA HOMES REALTY & MTG LLC (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.
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Krista Fracke
Broker Associate
This home sold on Sep 18, 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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