Sold·Closed Jul 2, 2026·6 days on market
635 SW Cardinal Drive
Keystone Heights, FL 32656
About this home
Keystone Heights
Welcome home to this well maintained 3bedroom, 2bath home in the heart of Keystone Heights! Conveniently located within walking distance to both the elementary and junior/high school, this property offers the perfect blend of comfort, convenience, and value. Major updates include a 9yo roof and a 4yo HVAC system, providing peace of mind for years to come. Inside, you'll find fresh interior paint, along with new luxury vinyl plank flooring in the living room, dining room, and hallway. The newly installed electric fireplace creates a warm and inviting focal point, perfect for cozy evenings at home. Outside, the home has been freshly pressure washed and features a spacious 2car garage, a fully fenced backyard, and a screened-in back porch with sliding glass doors ideal for relaxing, entertaining, or enjoying Florida's beautiful weather. Whether you're a first-time homebuyer, growing family, or someone looking to downsize, this move-in-ready home offers something for everyone
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,413 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 homeThis 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: $262,500 in May 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $241,247 | $190,525 | — |
| 2024 | $237,706 | $187,706 | — |
| 2023 | $216,467 | $216,467 | — |
| 2022 | $181,755 | $79,025 | — |
| 2021 | $135,545 | $75,267 | — |
| 2020 | $127,715 | $73,538 | — |
2025 property taxes (current owner): $4,084/yr
Estimated taxes if purchased at asking price: ~$5,000/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.
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 $191/sq ft; this home is listed at $197/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 645 Shady Lane, Keystone Heights, FL 32656Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2025 | $250,000 | $139 | 3/2 | 1,796 | 32 | 0.1 |
| 430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLC | Oct 2026 | $224,800 | $191 | 3/2 | 1,176 | 139 | 0.2 |
| 475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Oct 2026 | $185,000 | $136 | 3/1.5 | 1,360 | 46 | 0.3 |
| 465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $233,000 | $213 | 3/2 | 1,092 | 70 | 0.3 |
| 345 Orchid Avenue, Keystone Heights, FL 32656Listed by EXP REALTY LLC | Jul 2025 | $280,000 | $206 | 3/2 | 1,362 | 4 | 0.3 |
| 7480 Paradise Lake Drive, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Jul 2026 | $322,000 | $184 | 4/2 | 1,752 | 148 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW REALTY
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
This home sold on Jul 2, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines