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Active

Active·93 days on market

4500 Marilyn Court

Keystone Heights, FL 32656

$359,900$148/sqftEst. $1,850/moMLS# 2147435

Beds

Baths

2,432

Sq Ft

2023

Built

—

Garage

Pool

About this home

Keystone Heights

Welcome to 4500 Maryland Court, Keystone Heights, Florida, where spacious living meets modern comfort on a sprawling 5-acre parcel. This 2023 mobile home offers over 2,400 square feet of living space, featuring 4 bedrooms and 3 bathrooms, 2 living areas, and a MASSIVE Laundry room with Island. Nestled in the heart of Keystone Heights, a charming rural community known for its many lakes and historic downtown, this property provides the ultimate in privacy and tranquility. Enjoy the convenience of country living while being just a short drive from local amenities, schools, and recreational activities. The expansive acreage is ideal for outdoor enthusiasts, offering ample space for toys, hobbies, and future expansions. Whether you're looking to start a garden, build a workshop, or simply enjoy the open space, this property has it all. Don't miss the opportunity to make this beautiful home in Keystone Heights yours.

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,850

Principal & Interest: $1,850

Property taxes (est.): $552

Insurance (est.): $240

Estimated Total Monthly

$2,642

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,850

Property taxesest. at asking price, Clay County$552

Estimated total, before insurance$2,402/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,882/yr · $490/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	$362,178	$362,178	—
2024	$58,174	$58,174	—

2025 property taxes (current owner): $5,882/yr

Estimated taxes if purchased at asking price: ~$6,600/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 2023)

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: ~1,716 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

Price & status history

May 28, 2026Listed$359,900

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

Features

Price$359,900

Price / Sq Ft$148

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,432

Acres5.03 acres

Year Built2023

TypeResidential

Sub-TypeMobile Home

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address4500 Marilyn Court, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionMetes & Bounds

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size219,106.8 sq ft

Parcel Number28072400691905301

Amenities

UtilitiesElectricity Connected

Water SourcePrivate, Well

ParkingAdditional Parking, Off Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Microwave

HeatingCentral

CoolingCentral Air

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