Sold·Closed Aug 15, 2026·13 days on market
5640 Caribbean
Keystone Heights, FL 32656
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
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.
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.
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,626 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 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.
History
Price & status history
- Aug 15, 2026Closed$269,900
- Jul 28, 2026Pending$269,900
- Jul 27, 2026Active$269,900
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 $174/sq ft; this home is listed at $135/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5625 Caribbean Circle, Keystone Heights, FL 32656Listed by MOMENTUM REALTY | Jun 2026 | $267,000 | $113 | 4/2 | 2,356 | 31 | 0.1 |
| 5338 County Road 352, Keystone Heights, FL 32656Listed by ONE REALTY CORP | Jun 2026 | $340,000 | $214 | 3/2 | 1,589 | 34 | 0.3 |
| 5792 Bryce Street, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INC | Jul 2025 | $259,900 | $172 | 3/2 | 1,510 | 13 | 0.6 |
| 5419 County Road 352, Keystone Heights, FL 32656Listed by MOMENTUM REALTY | Sep 2026 | $420,000 | $170 | 5/2.5 | 2,471 | 91 | 0.7 |
| 5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $360,000 | $200 | 3/2 | 1,800 | 28 | 0.8 |
| 5468 Jefferson Street, Keystone Heights, FL 32656Listed by GIFFORD PROPERTIES & MANAGEMENT INC | Jun 2026 | $262,399 | $174 | 3/2 | 1,512 | 2 | 1.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BEYCOME OF FLORIDA 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 15, 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
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