Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 45
Sold

Sold·Closed Aug 4, 2026·25 days on market

5530 Capulin Street

Keystone Heights, FL 32656

$250,000sold priceListed at $250,000 · 100% of asking$138/sqftMLS# 2148155
3
Beds
2
Baths
1,813
Sq Ft
2024
Built
—
Garage
No
Pool
FEMA Zone AENo HOA0.58 acresManufactured Home1 storyNew construction

About this home

Keystone Heights

USDA Eligible! BRAND NEW! NO HOA! Beautifully situated on a spacious lot on a paved road backing up to a large pond with a walking path in the backyard, offering peaceful views and easy outdoor enjoyment. This thoughtfully designed home features an open concept floor plan perfect for modern living and entertaining. The stunning kitchen boasts abundant counter space, a large island, and an oversized walk-in butler's pantry. Designer vanities, stylish lighting, and durable LVP flooring add elegance throughout. The private owner's suite features a luxurious tiled shower and spacious walk-in closet, while two additional bedrooms provide comfort and flexibility. Enjoy peace of mind with all-new systems, including AC, well, and septic, plus a factory warranty. Great area for boating, fishing, and outdoor enthusiasts. Don't miss this opportunity to own a beautiful new home with exceptional finishes and scenic backyard views!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,385
Property taxesest. at asking price, Clay County$383
Estimated total, before insurance$1,768/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$250,000
$50,000
Loan Term
Monthly Payment
$1,385
Principal & Interest: $1,385
Property taxes (est.): $383
Insurance (est.): $167
Estimated Total Monthly
$1,935
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,523 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$17,000$10,541—
2024$13,500$9,583—
2023$13,500$8,712—
2022$10,000$7,920—
2021$7,200$7,200—
2020$7,200$7,200—

2025 property taxes (current owner): $201/yr

Estimated taxes if purchased at asking price: ~$4,600/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.

History

Price & status history

  • Aug 8, 2026Closed$250,000
  • Jun 1, 2026Listed$250,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $163/sq ft; this home is listed at $138/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5533 Arapaho Street, Keystone Heights, FL 32656Listed by EXIT INSPIRED REAL ESTATEJun 2026$260,000$1633/21,60080.3
5518 Gila Street, Keystone Heights, FL 32656Listed by CENTURY 21 LIGHTHOUSE REALTYFeb 2026$224,000$1434/21,5681040.4
7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLCOct 2026$285,000$1255/32,280160.7
5533 Coronado Street, Keystone Heights, FL 32656Listed by MAXREV, LLCJun 2026$355,000$1645/32,160420.7
7575 Monongahela Avenue, Keystone Heights, FL 32656Listed by HATCH REALTY SERVICESMay 2026$290,000$2033/21,42870.7
5579 Deerlodge Court, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$249,900$1153/22,176160.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$250,000
Price / Sq Ft$138
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,813
Acres0.58 acres
Year Built2024
TypeResidential
Sub-TypeManufactured Home
StyleTraditional
StatusClosed
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryMcrae
HighKeystone Heights

Community Information

Address5530 Capulin Street, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionFla Survey
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size25,264.8 sq ft
Parcel Number24082300747900000
ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached
ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

RoofShingle
ConstructionVinyl Siding
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJune 1, 2026
Days on Market25
Tax Amount$201.29
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: FADER & CO REALTY LLC

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

This home sold on Aug 4, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines