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Active

Active·122 days on market

6664 Woodland Drive

Keystone Heights, FL 32656

$333,000$223/sqftEst. $1,763/moMLS# 2146870
$17,000 below original list
3
Beds
2
Baths
1,493
Sq Ft
1955
Built
Garage
Yes
Pool
FEMA Zone XNo HOA0.73 acresWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Experience the best of lake living on Lake Brooklyn. If you love outdoor entertaining and an active lifestyle, this home is a must-see. The backyard is designed for making memories, featuring a covered entertainment area complete with a built-in grill and sink, an above-ground pool, tiki bar, putting green, and a peaceful fish/koi pond -- your own private retreat right at home. Inside, you'll find 3 bedrooms and 2 bathrooms with a warm and inviting layout that includes a cozy wood-burning fireplace and numerous updates throughout. An additional outbuilding in the backyard provides endless possibilities for a workshop, storage, hobby space, or guest suite. Whether you're entertaining friends, or enjoying quiet evenings at home, this property delivers the perfect blend of comfort, character, and outdoor living.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,763
Property taxesest. at asking price, Clay County$510
Estimated total, before insurance$2,274/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,158/yr · $180/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, 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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$333,000
$66,600
Loan Term
Monthly Payment
$1,763
Principal & Interest: $1,763
Property taxes (est.): $510
Insurance (est.): $222
Estimated Total Monthly
$2,496
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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: Metal — year not disclosed (home built 1955)

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: ~1,068 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.

Cost to own

Taxes & assessment

Last sold: $315,000 in May 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$256,893$107,434
2024$232,712$103,699
2023$135,541$25,000
2022$132,762$25,000
2021$108,513$25,000
2020$102,235$25,000

2025 property taxes (current owner): $2,158/yr

Estimated taxes if purchased at asking price: ~$6,100/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 21, 2026Price change$333,000$7,000
  • Jul 10, 2026Price change$340,000$10,000
  • May 23, 2026Listed$350,000

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

Features

Price$333,000
Price / Sq Ft$223
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,493
Acres0.73 acres
Year Built1955
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontYes

Community Information

Address6664 Woodland Drive, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionPinecrest
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size31,798.8 sq ft
Parcel Number18082300224100000

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingElectric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Patio
FencingBack Yard, Chain Link
RoofMetal
Other StructuresShed(s)
Road SurfaceAsphalt

Additional Information

Date ListedMay 23, 2026
Days on Market90
Tax Amount$2,157.94
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARGANON REAL ESTATE FIRM · lazaro@marganon.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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