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Active

Active·63 days on market

7202 Notre Dame Street

Keystone Heights, FL 32656

$45,900$43/sqftMLS# 2146527

Beds

Baths

1,056

Sq Ft

1999

Built

—

Garage

Pool

About this home

Keystone Heights

THE VALUE IS IN THE LAND,! THERE IS A SEPTIC, WATER/WELL, AND ELECTRIC METER. It is possible to renovate the mobile home but it needs a lot of work. Roof, floors are soft in some areas. Great place to sell tthe mobile home for the metal and bring a new one in. mobile home. This is a little over a third of an acre in the Highridge Estates neighborhood just 2 miles from downtown Keystone Heights. 2 sheds on the property. If you are going to enter the mobile home you must sign the Hold Harmless in the documents section. BEING SOLD AS IS.

Cost to own

Mortgage calculator

Home Price

$45,900

Down Payment: 20%

$9,180

Interest Rate: 6.58%

Loan Term

Monthly Payment

$234

Principal & Interest: $234

Property taxes (est.): $70

Insurance (est.): $31

Estimated Total Monthly

$335

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$101,406	$79,028	—
2024	$91,678	$71,844	—
2023	$80,209	$65,313	—
2022	$64,540	$59,376	—
2021	$54,283	$53,979	—
2020	$49,072	$49,072	—

2025 property taxes (current owner): $1,704/yr

Estimated taxes if purchased at asking price: ~$800/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 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: material not specified — year not disclosed (home built 1999)

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

Septic system (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: ~1,273 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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.

History