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Active

Active·36 days on market

6396 Amherst Avenue

Keystone Heights, FL 32656

$244,900$200/sqftEst. $1,249/moMLS# 2151113

Beds

Baths

1,227

Sq Ft

2026

Built

—

Garage

Pool

About this home

Keystone Heights

Welcome to this stunning new construction 3-bedroom, 2-bathroom home designed with modern comfort and everyday functionality in mind. From the moment you step inside, you'll appreciate the clean lines, thoughtful layout, and quality finishes throughout. The open living space is bright and inviting, featuring durable LVP flooring. The kitchen is a true centerpiece, showcasing stylish shaker cabinets paired with elegant quartz countertops--offering both beauty and practicality for cooking, entertaining, and daily living. The spacious primary suite provides a comfortable retreat with a well-appointed ensuite bathroom, while the additional two bedrooms are perfect for family, guests, or a home office setup. Both bathrooms are designed with modern finishes for a fresh, cohesive feel. Outside, the home includes a convenient 1-car carport, providing covered parking and added protection from the elements. Perfectly blending modern design, this move-in-ready home is an excellent opportunity.

Cost to own

Mortgage calculator

Home Price

$244,900

Down Payment: 20%

$48,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,249

Principal & Interest: $1,249

Property taxes (est.): $375

Insurance (est.): $163

Estimated Total Monthly

$1,787

*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$1,249

Property taxesest. at asking price, Clay County$375

Estimated total, before insurance$1,624/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.

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: ~1,715 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