Active·130 days on market
5608 Jones Creek Road
Keystone Heights, FL 32656
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Keystone Heights
**MOTIVATED SELLERS** 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
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 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Alpine Groves Parkabout 20 mi · 1 mi of trails
Closest public boat ramp
Camp Blanding FMA – Lowery Lake Boat Ramp (Saturday & Sunday Mornings Only)about 7 mi · Lowery Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 5 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$12,000/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
- Sep 22, 2026Price change$650,000−$49,999
- Jul 23, 2026Price change$699,999−$15,001
- Jul 12, 2026Price change$715,000−$35,000
- Jun 14, 2026Listed$750,000
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 $189/sq ft; this home is listed at $363/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5608 Jones Creek Road, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLC | May 2026 | $243,000 | $136 | 3/2 | 1,792 | 6 | 0 |
| 5762 Retreat Road, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2025 | $285,896 | $134 | 5/3 | 2,128 | 20 | 0.5 |
| 4924 Shady Creek Drive, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Oct 2025 | $555,000 | $244 | 4/3 | 2,272 | 19 | 0.9 |
| 6030 Blueberry Hill Road, Keystone Heights, FL 32656Listed by COLDWELL BANKER SMITH AND SMITH REALTY | Mar 2026 | $165,000 | $113 | 3/2 | 1,456 | 304 | 1.4 |
| 4690 Kim Lane, Keystone Heights, FL 32656Listed by MAGNOLIA & OAK REAL ESTATE COMPANY LLC | Nov 2025 | $360,000 | $189 | 4/2 | 1,904 | 144 | 1.4 |
| 5970 Plantation Court, Keystone Heights, FL 32656Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $499,000 | $219 | 4/2 | 2,280 | 19 | 1.6 |
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
Additional Information
Listing Courtesy of: HERRON REAL ESTATE 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
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