Sold·Closed Aug 24, 2026·71 days on market
7593 Silver Sands Road
Keystone Heights, FL 32656
About this home
Keystone Heights
Spacious home and property is waiting for new owners! Detached garage and carport are added bonuses to this charming home! Large, open living room has wood burning fireplace. Primary suite has walk in tub and main bath has tub/shower combo. Updates include a roof replacement (2025). Plenty of space for vehicles and toys in the detached garage and two car carport keeps vehicles and boats out of the sun. Oversized corner lot offers space for additional out buildings and/or a pool. Keystone Heights offers a variety of lakes and Gold Head State Park in addition to shopping and eateries. Commute to Palatka, Middleburg, Jacksonville, St Augustine, Ocala or Gainesville in minutes. Come see this home that is priced to sell!
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 1987)
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: ~1,748 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 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.
Cost to own
Taxes & assessment
Last sold: $100,000 in July 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $335,981 | $0 | — |
| 2024 | $313,722 | $292,345 | — |
| 2023 | $279,141 | $265,769 | — |
| 2022 | $241,609 | $241,609 | — |
| 2021 | $190,291 | $9,001 | — |
| 2020 | $167,176 | $7,490 | — |
2025 property taxes (current owner): $358/yr
Estimated taxes if purchased at asking price: ~$4,000/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
- Aug 24, 2026Closed$250,000
- Jul 27, 2026Active Under Contract$250,000
- Jul 24, 2026Price change$250,000−$15,000
- May 15, 2026Listed$265,000
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 $125/sq ft; this home is listed at $133/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLC | Oct 2026 | $285,000 | $125 | 5/3 | 2,280 | 16 | 0.2 |
| 5725 Sequoia Road, Keystone Heights, FL 32656Listed by CW REALTY | Aug 2026 | $235,000 | $97 | 5/3 | 2,432 | 49 | 0.2 |
| 7603 Sand Dune Court, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | May 2025 | $200,000 | $119 | 3/2 | 1,680 | 85 | 0.2 |
| 5648 Silver Sands Circle, Keystone Heights, FL 32656Listed by CW REALTY | Dec 2025 | $339,000 | $186 | 3/3 | 1,820 | 4 | 0.4 |
| 5579 Deerlodge Court, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $249,900 | $115 | 3/2 | 2,176 | 16 | 0.5 |
| 5641 Silver Sands, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $300,000 | $132 | 5/3 | 2,280 | 20 | 0.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 24, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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