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Active

Active·48 days on market

5523 Coronado Street

Keystone Heights, FL 32656

$335,000$209/sqftEst. $1,722/moMLS# 2150138

Beds

Baths

1,600

Sq Ft

2025

Built

—

Garage

Pool

About this home

Keystone Heights

** BUYER INCENTIVES AVAILABLE! SELLER IS WILLING TO PAY THE BUYER'S CLOSING COSTS AND PREPAID ITEMS AND INCLUDE A HOME WARRANTY FOR UP TO 3 YEARS WITH AN ACCEPTABLE OFFER.** Experience refined lakeside living in this beautiful 3-bedroom, 2.5-bath waterfront home nestled within the serene Big Tree Lakes / Winding Tree Lake system in Keystone Heights. Blending modern comfort with natural tranquility, this property offers a rare opportunity to enjoy privacy, space, water views, and abundant wildlife in an inviting, thoughtfully designed setting--where deer and a variety of native birds are frequent visitors, making it a true haven for nature lovers. Inside, the home immediately impresses with its open, airy feel enhanced by 9-foot ceilings, drywall construction, and durable 2x6 walls--delivering the quality and presence of a site-built residence.

Cost to own

Mortgage calculator

Home Price

$335,000

Down Payment: 20%

$67,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,722

Principal & Interest: $1,722

Property taxes (est.): $513

Insurance (est.): $223

Estimated Total Monthly

$2,459

*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$1,722

Property taxesest. at asking price, Clay County$513

Estimated total, before insurance$2,236/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.

Cost to own

Taxes & assessment

Last sold: $15,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$17,000	$14,850	—
2024	$13,500	$13,500	—
2023	$13,500	$13,500	—
2022	$10,000	$7,920	—
2021	$7,200	$7,200	—
2020	$7,200	$7,200	—

2025 property taxes (current owner): $240/yr

Estimated taxes if purchased at asking price: ~$6,200/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 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: Metal — year not disclosed (home built 2025)

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

Solar potential: ~1,437 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.

History

Price & status history

Jul 11, 2026Active$335,000

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

Features

Price$335,000

Price / Sq Ft$209

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,600

Acres0.83 acres

Year Built2025

TypeResidential

Sub-TypeManufactured Home

StyleTraditional, Other

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryMcrae

HighKeystone Heights

Community Information

Address5523 Coronado Street, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionBig Tree Lakes

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size36,154.8 sq ft

Parcel Number13082300756300000

Amenities

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingOther

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryIn Unit