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Pending

Pending·28 days on market

5641 Silver Sands

Keystone Heights, FL 32656

$295,000$129/sqftEst. $1,504/moMLS# 2152370

Beds

Baths

2,280

Sq Ft

2026

Built

—

Garage

Pool

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

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,504

Principal & Interest: $1,504

Property taxes (est.): $452

Insurance (est.): $197

Estimated Total Monthly

$2,153

*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$1,504

Property taxesest. at asking price, Clay County$452

Estimated total, before insurance$1,956/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	$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: ~$5,400/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 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 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