Pending·2 days on market
6363 Reed Drive
Keystone Heights, FL 32656
About this home
Keystone Heights
Fully livable or Investor & Handyman Special - Ready for Your Personal Touch! Unlock instant equity with this 2-bedroom, 1-bathroom home in Keystone Heights! Unlike most properties at this price point, this home is as-is, allowing you to move right in, place a tenant immediately for instant cash flow, or take your time updating the space. This is * see below* the perfect canvas for a savvy investor or a buyer looking to build sweat equity. Move-In Ready Functional, livable layout featuring central electric A/C and heating, an open kitchen/living combo, a metal roof, and a private well and septic system. 0.34-Acre Lot Enjoy a beautiful spacious yard that is completely chain-link and cross-fenced, offering security and privacy for pets, or equipment. Tucked away from the city and situated just off a paved road for smooth, easy access. No HOA or CDD fees and low annual property taxes keep your monthly holding costs incredibly low. Keystone has a little bit of everything
Cost to own
Mortgage calculator
Cost to own
Taxes & assessment
2025 property taxes (current owner): $358/yr
Estimated taxes if purchased at asking price: ~$700/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.
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: Metal — year not disclosed (home built 1979)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,375 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
History
Price & status history
- Jul 23, 2026Pending$39,900
- Jul 18, 2026Listed$39,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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