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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Aug 19, 2026·14 days on market

6638 County Road 315C

Keystone Heights, FL 32656

$350,000sold priceListed at $369,000 · 94.9% of asking$138/sqftMLS# 2156043
4
Beds
2
Baths
2,537
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone AENo HOA2.16 acresSingle Family Residence1 story

About this home

Keystone Heights

HOME SWEET HOME out in the Country in the Small Town of Keystone Heights known for its Parks, Lakes & Family Events sits this Beautiful 4/2 Home with Grand Live Oaks. Covered Front Entry & side Porch. Lanai for outdoor Eating, Barbecuing & relaxing. Sitting Rm, Formal Dining Rm and Wood Fireplace for those chilly nights. Close to Middleburg for the big box store shopping. Enjoy the Small Town Charm only minutes away from A+ Schools. Lake Sante Fe is only 20 min away for Boating & Fishing fun. An adjacent 8.17 Acre Tract is also available for sale if Buyer is looking for more land. Priced to Sell. SELLER MOTIVATED!! Call me for a Showing!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,939
Property taxesest. at asking price, Clay County$536
Estimated total, before insurance$2,475/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,783/yr · $232/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$350,000
$70,000
Loan Term
Monthly Payment
$1,939
Principal & Interest: $1,939
Property taxes (est.): $536
Insurance (est.): $233
Estimated Total Monthly
$2,708
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2005)

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

Likely septic · 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: ~1,501 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,783/yr

Estimated taxes if purchased at asking price: ~$6,400/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, NEFMLS.

History

Price & status history

  • Aug 20, 2026Closed$369,000
  • Aug 2, 2026Pending$369,000
  • Jul 23, 2026Price change$369,000−$60,000
  • Jul 18, 2026Listed$429,000

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 $170/sq ft; this home is listed at $145/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5625 Caribbean Circle, Keystone Heights, FL 32656Listed by MOMENTUM REALTYJun 2026$267,000$1134/22,356311.8
5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJul 2026$360,000$2003/21,800281.9
5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLCAug 2026$269,900$1355/32,000132
5835 Lisa Lynn Lane, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCSep 2026$379,900$1983/21,92052.1
5419 County Road 352, Keystone Heights, FL 32656Listed by MOMENTUM REALTYSep 2026$420,000$1705/2.52,471912.5
5533 Coronado Street, Keystone Heights, FL 32656Listed by MAXREV, LLCJun 2026$355,000$1645/32,160423.2

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

Price$369,000
Price / Sq Ft$145
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,537
Total Structure Area3,574 sq ft
Acres2.16 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleMid-Century Modern
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryMcrae
HighKeystone Heights

Community Information

Address6638 County Road 315C, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size94,089.6 sq ft
Lot Dimensions184 x 513 sq ft
Parcel Number05082400639300307

Amenities

UtilitiesCable Connected, Electricity Connected, Water Available
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDisposal, Electric Cooktop, Electric Oven, Electric Water Heater, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup
Spa FeaturesBath

Exterior

Lot DescriptionAgricultural, Cleared, Few Trees
Patio / PorchPatio, Side Porch
RoofShingle
ConstructionConcrete, Frame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJuly 18, 2026
Days on Market14
Tax Amount$2,782.82
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 19, 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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