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·22 days on market

381 SE 57th Street

Keystone Heights, FL 32656

$325,000$272/sqftEst. $1,673/moMLS# 2156651

Beds

Baths

1,196

Sq Ft

2000

Built

Garage

Pool

About this home

Keystone Heights

NO HOA! One acre of country living with room to roam! Welcome home to this charming 3-bedroom, 2-bath home with a detached 2-car garage, perfectly situated on a beautiful 1-acre lot in Keystone Heights. Built in 2000, this well-maintained home offers just under 1,200 square feet of comfortable living space with a functional, move-in-ready floor plan. Recent updates include a brand-new water heater, while the private well and septic provide the benefits of peaceful rural living. Step outside and enjoy your screened-in back porch, the perfect place to sip your morning coffee, unwind after a long day, or enjoy the quiet surroundings year-round. The expansive property offers endless possibilities with plenty of room for gardening, pets, outdoor entertaining, recreational vehicles, or simply enjoying your own private slice of Florida. A detached 2-car garage provides ample space for vehicles, storage, hobbies, or a workshop, while the fenced chicken coop area is ready for your backyard

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,673

Principal & Interest: $1,673

Insurance (est.): $217

Estimated Total Monthly

$1,889

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes vary by county; 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 · 6.67% · 30yr$1,673

Estimated total, before insurance$1,673/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.

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 2000)

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: ~1,684 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