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Active

Active·12 days on market

6267 Clance Road

Keystone Heights, FL 32656

$445,000$184/sqftEst. $2,368/moMLS# 2153679

Beds

Baths

2,423

Sq Ft

1973

Built

Garage

Pool

About this home

Keystone Heights

Welcome to this well-maintained 3-bedroom, 2-bath concrete block home offering comfort, versatility, and peaceful country living. A standout feature of this property is the detached efficiency apartment, complete with a studio-style floor plan, kitchenette, full bathroom, walk-in closet, and its own private two-car carport--perfect as an in-law suite, guest quarters, home office, or income-producing rental. The main home features a spacious living and dining room combination, a functional kitchen, and an additional family room centered around a cozy gas fireplace, providing plenty of space for everyday living and entertaining. The kitchen and bathrooms showcase beautiful handcrafted wood cabinetry, adding warmth and character throughout the home. Major updates include a new roof on the home, efficiency apartment, and shed/carport in 2025, along with a new well installed in 2024, offering added peace of mind for years to come. Nestled just off the beaten path, this property provides

Cost to own

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,248

Principal & Interest: $2,248

Est. Taxes & Insurance: $562

Estimated Total Monthly

$2,810

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,368

Property taxesest. at asking price, Clay County$682

Estimated total, before insurance$3,050/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$371,006	$45,588	—
2024	$368,121	$42,046	—
2023	$331,023	$37,764	—
2022	$293,626	$38,106	—
2021	$233,378	$84,069	—
2020	$224,291	$82,212	—

Estimated taxes if purchased at asking price: ~$8,200/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: material not specified — year not disclosed (home built 1973)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,682 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History