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Active

Active·39 days on market

5608 Jones Creek Road

Keystone Heights, FL 32656

$699,999$391/sqftEst. $3,569/moMLS# 2150571

Beds

Baths

1,792

Sq Ft

2019

Built

—

Garage

Yes

Pool

About this home

Keystone Heights

Welcome to this custom built home with sturdy 2x6 perimeter framing, providing superior insulation and structural integrity compared to standard builds. 3-bedroom, 2-bath home on 10 beautiful acres--ideal for country living or starting a small farm. Features include an above-ground pool with deck, covered front and back porches for entertaining, granite countertops, porcelain flooring, and a fireplace. 12x24 shed on property equipped with water and electricity. Need 24 hour showing notice.

Cost to own

Mortgage calculator

Home Price

$699,999

Down Payment: 20%

$140,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,569

Principal & Interest: $3,569

Property taxes (est.): $1,073

Insurance (est.): $467

Estimated Total Monthly

$5,109

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,569

Property taxesest. at asking price, Clay County$1,073

Estimated total, before insurance$4,642/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

Year	Market value	Taxable value	Change
2025	$387,816	$176,316	—
2024	$382,151	$170,640	—
2023	$372,420	$164,214	—
2022	$290,925	$157,975	—
2021	$243,904	$151,918	—
2020	$236,362	$149,131	—

Estimated taxes if purchased at asking price: ~$12,900/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 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 2019)

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

Solar potential: ~1,359 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