Sold·Closed Aug 14, 2026·20 days on market
5641 Silver Sands
Keystone Heights, FL 32656
About this home
Keystone Heights
Welcome to 5641 Silver Sands Circle in beautiful Keystone Heights! Nestled on a spacious 1.27-acre corner lot, this brand-new 2026 home offers the perfect blend of modern comfort and peaceful country living. Located on a freshly paved road directly across from Silver Sands Lake, the property is surrounded by majestic oak trees and fully fenced for added privacy and charm. Boasting 2,280 square feet of living space, this home provides plenty of room for family, friends, and entertaining. A brand-new 30' x 36' pole barn offers endless possibilities--ideal for storing boats, RVs, trailers, vehicles, equipment, or creating the perfect space for gatherings and outdoor enjoyment. Step inside to discover a bright, open-concept floor plan featuring both a living room and a separate family room. The spacious kitchen serves as the heart of the home, complete with abundant cabinetry, generous counter space, and a dedicated coffee bar area that's perfect for morning routines and entertaining
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: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,762 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $23,000 | $11,712 | — |
| 2024 | $16,500 | $10,648 | — |
| 2023 | $16,000 | $9,680 | — |
| 2022 | $9,000 | $8,800 | — |
| 2021 | $8,000 | $8,000 | — |
| 2020 | $8,000 | $7,700 | — |
Estimated taxes if purchased at asking price: ~$5,500/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
- Aug 14, 2026Closed$295,000
- Aug 14, 2026Active$295,000
- Jul 15, 2026Pending$295,000
- Jul 9, 2026Price change$295,000−$9,999
- Jun 25, 2026Listed$304,999
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 $125/sq ft; this home is listed at $129/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5648 Silver Sands Circle, Keystone Heights, FL 32656Listed by CW REALTY | Dec 2025 | $339,000 | $186 | 3/3 | 1,820 | 4 | 0.1 |
| 7550 Monongahela Avenue, Keystone Heights, FL 32656Listed by TEAM DURGIN REALTY INC | Aug 2026 | $520,000 | $203 | 4/2.5 | 2,564 | 199 | 0.3 |
| 5579 Deerlodge Court, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $249,900 | $115 | 3/2 | 2,176 | 16 | 0.5 |
| 7593 Silver Sands Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $220,000 | $117 | 3/2 | 1,876 | 71 | 0.5 |
| 7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLC | Oct 2026 | $285,000 | $125 | 5/3 | 2,280 | 16 | 0.6 |
| 5725 Sequoia Road, Keystone Heights, FL 32656Listed by CW REALTY | Aug 2026 | $235,000 | $97 | 5/3 | 2,432 | 49 | 0.6 |
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
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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
This home sold on Aug 14, 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.
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