Pending·56 days on market
5670 Acadia Street
Keystone Heights, FL 32656
About this home
Keystone Heights
Welcome to 5670 Acadia in Keystone Heights, FL! This 3-bedroom, 2-bath home offers the perfect blend of comfort, updates, and outdoor space on 4 fully fenced acres. Inside, the primary bathroom features both a shower and garden tub, while the home also includes updated flooring and appliances from 2019. Major improvements include a new roof in 2025 and new skirting in May 2026. Outside, this property is packed with features--an above-ground pool, 3 patios, 2 drive-through gates, and parking for 5 vehicles. There's also a charming insulated she shed with drywall interior, ideal for hobbies, storage, or a creative workspace. The land is filled with fruit trees and flowering vines, including peach, guava, Meyer lemon, kumquat, navel orange, passion fruit, and hummingbird vine. This property offers space, privacy, and plenty of room to enjoy Florida living. Added bonus is porches on both front and back. Easy commute to Jacksonville, Gainesville and Palatka.
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, 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 | $207,241 | $44,330 | — |
| 2024 | $185,272 | $42,374 | — |
| 2023 | $175,479 | $39,684 | — |
| 2022 | $123,415 | $37,072 | — |
| 2021 | $101,320 | $34,536 | — |
| 2020 | $88,941 | $33,369 | — |
2025 property taxes (current owner): $1,195/yr
Estimated taxes if purchased at asking price: ~$5,000/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.
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 — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,652 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 homeInformational 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HELEN HERSEY REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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