Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·56 days on market

6267 Clance Road

Keystone Heights, FL 32656

$429,900$177/sqftEst. $2,210/moMLS# 2153679

Beds

Baths

2,423

Sq Ft

1973

Built

Garage

Pool

About this home

Keystone Heights

PRICE IMPROVEMENT - MOTIVATED SELLER! Don't miss this incredible opportunity to own a well-maintained concrete block home offering comfort, versatility, and peaceful country living. Major updates have already been completed, including a new roof on the main home, detached efficiency apartment, and shed/carport in 2025, as well as a new well installed in 2024, providing added peace of mind for years to come. 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. Whether you're looking for an in-law suite, guest quarters, home office, or potential income-producing rental, this versatile space offers endless possibilities. The main home features 3 bedrooms and 2 bathrooms, along with a spacious living and dining room combination, a functional kitchen, and an additional family room centered around a cozy gas fireplace--providing plenty of room for

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,210

Principal & Interest: $2,210

Property taxes (est.): $659

Insurance (est.): $287

Estimated Total Monthly

$3,156

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,210

Property taxesest. at asking price, Clay County$659

Estimated total, before insurance$2,869/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	$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: ~$7,900/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

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