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Active Under Contract

Active Under Contract·85 days on market

4504 Marilyn Court

Keystone Heights, FL 32656

$155,900$148/sqftEst. $801/moMLS# 2147408

Beds

Baths

1,056

Sq Ft

1995

Built

—

Garage

Pool

About this home

Keystone Heights

Welcome to 4504 Marilyn Court in Keystone Heights, Florida -- a private 5-acre high-and-dry property offering the perfect blend of country living and convenience. This versatile property features THREE RV hookups, making it ideal for guests, multi-generational living, seasonal visitors, or income-producing opportunities. With plenty of usable land, there is room for RVs, boats, trailers, animals, gardens, workshops, and more. Enjoy peaceful surroundings, open skies, and the freedom to create the lifestyle you want. Located in the heart of Keystone Heights, residents enjoy a charming small-town atmosphere, beautiful lakes, outdoor recreation, boating, fishing, and a strong sense of community while still being conveniently located to Jacksonville, Gainesville, and Orange Park. Rare opportunity for usable acreage with endless potential in growing North Florida.Bring your toys and enjoy peaceful Florida living with room to expand, entertain, relax, and make this property your own. for year

Cost to own

Mortgage calculator

Home Price

$155,900

Down Payment: 20%

$31,180

Interest Rate: 6.65%

Loan Term

Monthly Payment

$801

Principal & Interest: $801

Property taxes (est.): $239

Insurance (est.): $104

Estimated Total Monthly

$1,144

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$801

Property taxesest. at asking price, Clay County$239

Estimated total, before insurance$1,040/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,384/yr · $115/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$67,239	$67,239	—
2024	$65,816	$65,816	—
2023	$95,866	$78,787	—
2022	$71,625	$71,625	—
2021	$65,214	$65,214	—
2020	$63,693	$63,693	—

2025 property taxes (current owner): $1,384/yr

Estimated taxes if purchased at asking price: ~$2,900/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 1995)

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

Likely septic

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: ~1,527 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

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