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 Under Contract

Active Under Contract·32 days on market

6540 Immokalee Road

Keystone Heights, FL 32656

$389,000$275/sqftEst. $2,000/moMLS# 2157350

Beds

Baths

1,414

Sq Ft

2008

Built

Garage

Pool

About this home

Keystone Heights

Very well maintained turn key home is ready for new owners! Current owners used it as a second home during their ownership. One of a few properties with private deeded access to Lake Brooklyn. Split bedroom plan, open kitchen, dining and living room concept. Attached garage is fully insulated and finished with mini split as well as a projector and screen. The back yard is spacious with a 14x25 patio and pergola plus a shed (electric) with roll up door and lean to for mower and yard tools. Extra space for a garden as well as front and back yard irrigation which can be controlled via the internet. Located two miles north of downtown Keystone Heights with easy access to medical offices, shopping and eateries. Easy commutes to Orange Park, Jacksonville, St Augustine, Palatka, Ocala and Gainesville. Keystone Heights has many lakes and nearby state parks.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,000

Principal & Interest: $2,000

Property taxes (est.): $596

Insurance (est.): $259

Estimated Total Monthly

$2,855

*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$2,000

Property taxesest. at asking price, Clay County$596

Estimated total, before insurance$2,596/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: Shingle — year not disclosed (home built 2008)

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: ~1,529 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