Active·78 days on market
436 SE 41st Street
Keystone Heights, FL 32656
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Keystone Heights
Don't miss this opportunity own your dream home on a .58 acre lot! This new construction home offers 3 bedrooms, 2 bathrooms, and a 2-car garage, providing ample space for your family and lifestyle. Enjoy the benefits of a split floor plan and modern finishes. The gourmet kitchen features 42' soft close shaker cabinets and quartz countertops, ideal for cooking and entertaining. With no HOA or CDD you have the freedom to make this property truly your own! Estimated Completion - August 2026 Please note property is not yet completed and final specs may vary.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,704 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 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
- Oct 10, 2026Price change$360,000−$5,000
- Sep 4, 2026Price change$365,000−$15,000
- Jul 24, 2026Listed$380,000
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 $208/sq ft; this home is listed at $200/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 618 SE 44th Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Aug 2026 | $300,000 | $184 | 2/2 | 1,633 | 287 | 0.3 |
| 484 SE 44th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Aug 2026 | $280,000 | $208 | 3/2 | 1,344 | 143 | 0.3 |
| 692 SE 41st Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Aug 2026 | $295,000 | $219 | 3/2 | 1,344 | 14 | 0.3 |
| 6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Nov 2025 | $375,000 | $208 | 3/2 | 1,804 | 347 | 0.3 |
| 4660 SE 3rd Place, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Sep 2026 | $357,000 | $177 | 2/2 | 2,015 | 21 | 0.5 |
| 4193 SE 8th Avenue, Melrose, FL 32666Listed by CW REALTY | Jun 2026 | $249,900 | $178 | 3/2 | 1,404 | 78 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: RIVER CITY RENTALS AND REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
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