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Active

Active·62 days on market

5419 County Road 352

Keystone Heights, FL 32656

$445,000$180/sqftEst. $2,368/moMLS# 2145342

Beds

Baths

2,471

Sq Ft

1976

Built

Garage

Pool

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 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. This 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

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,248

Principal & Interest: $2,248

Est. Taxes & Insurance: $562

Estimated Total Monthly

$2,810

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$2,368

Property taxesest. at asking price, Clay County$682

Estimated total, before insurance$3,050/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$8,200/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 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 14, 2026Listed$445,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$445,000

Price / Sq Ft$180

Bedrooms5

Bathrooms2.00

Full Baths2

Square Footage2,471

Acres0.64 acres

Year Built1976

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Cottage

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address5419 County Road 352, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionBig Tree Lakes

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size27,747.72 sq ft

Parcel Number12082300134200000

ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingDetached, Garage

ViewLake, Trees/Woods

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Wall/Window Unit(s)

FlooringCarpet, Stone, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup