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Pending

Pending·33 days on market

5640 Caribbean

Keystone Heights, FL 32656

$269,900$135/sqftEst. $1,437/moMLS# 2150373
5
Beds
3
Baths
2,000
Sq Ft
2026
Built
Garage
No
Pool

About this home

Keystone Heights

NEW CONSTRUCTION! 1 ACRE Land Home Package. This Beautiful 5-bedroom, 3 bath Clayton home it affords all the amenities you could need and more for an affordable price point. Come see for yourself and make this your family homestead or retirement dream in the peaceful country in heart of Keystone Heights. Cozy coffee bar, luxury vinyl throughout, stainless steel appliances, new well and septic tank. Split floor plan with a flex room for office or playroom. There is plenty of room for the family, here is your fresh start make it yours today!

Cost to own

Mortgage calculator

$269,900
$53,980
Loan Term
Monthly Payment
$1,363
Principal & Interest: $1,363
Est. Taxes & Insurance: $341
Estimated Total Monthly
$1,704
*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,437
Property taxesest. at asking price, Clay County$414
Estimated total, before insurance$1,850/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
  • • 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

YearMarket valueTaxable valueChange
2025$23,000$11,712
2024$16,500$10,648
2023$16,000$9,680
2022$9,000$8,800
2021$8,000$8,000
2020$8,000$7,700

2024 property taxes (current owner): $196/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.

Features

Price$269,900
Price / Sq Ft$135
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,000
Acres1.09 acres
Year Built2026
TypeResidential
Sub-TypeMobile Home
StatusPending
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address5640 Caribbean, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionBig Tree Lakes
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size47,480.4 sq ft
Parcel Number12082300143786310

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street, RV Access/Parking

Interior

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Exterior

Exterior FeaturesOther

Additional Information

Date ListedJune 12, 2026
Days on Market12
Tax Amount$196
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: BEYCOME OF FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Contact KristaText Krista about this home

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.

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