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Sold

Sold·Closed Sep 28, 2026·66 days on market

6204 Blue Marlin Drive

Keystone Heights, FL 32656

$420,000sold priceListed at $430,000 · 97.7% of asking$232/sqftMLS# 2150527
4
Beds
2
Baths
1,810
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XHOA $26/mo0.60 acresSingle Family Residence1 story

About this home

Keystone Heights

Absolutely beautiful 4 bedroom 2 bathroom cul de sac home with a private back yard. No expense spared on this one, quartz countertops through out, 42'' cabinets with crown moulding, solid wood dovetail construction drawers, custom range hood, Black stainless smart appliances, electric fireplace with custom mantle. Master bathroom features tray ceilings, 2 closets, double vanity and large frameless glass shower. Split bedrooms with upgraded luxury vinyl plank through out. Private back yard also has an outdoor shower. Built by a Best of Clay builder and it shows. You have to see this one in person to really appreciate the quality craftsmanship. Ring floodlights, path lights, and front door ring camera also included!

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$2,326
Property taxesest. at asking price, Clay County$644
HOAbilled semi-annually$26
Estimated total, before insurance$2,996/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

$420,000
$84,000
Loan Term
Monthly Payment
$2,326
Principal & Interest: $2,326
Property taxes (est.): $644
Insurance (est.): $280
Estimated Total Monthly
$3,250
*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 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: Shingle — year not disclosed (home built 2025)

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

Public water · Clay County Utilities

Municipal drinking water from Clay County Utilities per the county inventory.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,706 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

Last sold: $28,000 in November 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$27,500$26,400—
2024$24,000$24,000—
2023$23,000$14,520—
2022$23,000$13,200—
2021$12,000$12,000—
2020$12,000$11,550—

2025 property taxes (current owner): $410/yr

Estimated taxes if purchased at asking price: ~$7,700/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

  • Sep 28, 2026Closed$430,000
  • Aug 18, 2026Pending$430,000
  • Jun 13, 2026Listed$430,000

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 $193/sq ft; this home is listed at $238/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6235 Blue Marlin Drive, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJun 2026$367,000$1843/22,0001090.2
251 Swan Lake Drive, Melrose, FL 32666Listed by RIVER CITY RENTALS AND REALTYSep 2026$367,000$1843/22,000260.9
240 Swan Lake Drive, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INCAug 2026$427,500$2263/21,890311.1
7980 State Road 100, Keystone Heights, FL 32656Listed by BOLD CITY REALTY GROUP INCSep 2026$350,000$2073/21,690751.2
121 Serena Circle, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTYSep 2026$254,000$1932/21,318621.4
204 1st Street, Melrose, FL 32666Listed by YOUR HOME SOLD GUARANTEED JESSE WARMKA TEAMApr 2025$315,000$1525/32,0761601.4

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$430,000
Price / Sq Ft$238
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,810
Total Structure Area2,679 sq ft
Acres0.60 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address6204 Blue Marlin Drive, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionBakersfield
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size26,136 sq ft
Parcel Number33082300492301821

Amenities

UtilitiesOther
SewerSeptic Tank
Water SourcePublic, Well
ParkingAttached, Garage

Interior

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1

Exterior

RoofShingle

Additional Information

Date ListedJune 14, 2026
Days on Market66
HOA Fees$157.85 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$409.56
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TPR REAL ESTATE GROUP INC

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 Sep 28, 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

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