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Active

Active·58 days on market

5018 County Road 214

Keystone Heights, FL 32656

$349,900$194/sqftEst. $1,801/moMLS# 2150858

Beds

Baths

1,808

Sq Ft

1973

Built

Garage

Pool

About this home

Keystone Heights

Escape to the peaceful beauty of lakefront living with this stunning all-brick 3-bedroom, 2-bath home situated on approximately 0.98 acres with 90 feet of waterfront. Inside, you'll find beautiful tile flooring, updated bathrooms, updated electrical, custom window treatments, and a striking decorative accent wall featuring a built-in electric fireplace and accent lighting. The spacious laundry room includes cabinetry and a utility sink for added convenience. Need extra space? This home includes a detached 308-square-foot in-law suite with a 2nd kitchen and private 3rd bath, perfect for guests, extended family, a home office, or rental potential. Outside, enjoy your 2 car garage a 2-car carport (great storage) and a large screened room ideal for entertaining family and friends or simply relaxing with a good book while taking in the tranquil lake views. Don't miss this rare waterfront opportunity! Keystone Heights offers shopping, restaurant's, Keystone Beach, Parks, & Bike Trails.

Cost to own

Mortgage calculator

Home Price

$349,900

Down Payment: 20%

$69,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,801

Principal & Interest: $1,801

Property taxes (est.): $536

Insurance (est.): $233

Estimated Total Monthly

$2,570

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,801

Property taxesest. at asking price, Clay County$536

Estimated total, before insurance$2,337/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,537/yr · $295/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$277,450	$197,850	—
2024	$272,970	$191,567	—
2023	$274,109	$184,532	—
2022	$227,701	$177,701	—
2021	$116,775	$66,775	—
2020	$113,976	$28,306	—

2025 property taxes (current owner): $3,537/yr

Estimated taxes if purchased at asking price: ~$6,400/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: Shingle — year not disclosed (home built 1973)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,635 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.

History