This home is in Jacksonville.
Active·73 days on market
5466 Keystone Drive S
Jacksonville, FL 32207
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
If cookie-cutter isn't your style, this St. Nicholas gem might be your perfect match! Welcome home to this classic 1955 St. Nicholas charmer where cool original character meets modern updates and big personality. This home delivers a nice open flow for everyday living; a cozy living room anchored by a fireplace that blends right into the dining area and kitchen. One of the best features is the dining room's French doors that open into a flexible bonus space ideal for a home office, studio, reading room, or whatever your lifestyle needs right now. Recently power washed, the construction style of this home requires little maintenance. A newer roof (Aug 2023), and an approximately 4-year-old HVAC that was serviced recently means you can worry less! This home offers a large, private fenced backyard with room to relax, garden, host, or simply unwind under the Florida sky.
Next steps in Jacksonville
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 (that applies to the reference bill above too).
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 1955)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (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: ~1,082 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,073/yr
Estimated taxes if purchased at asking price: ~$4,700/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 3,305 current Duval 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
- Sep 30, 2026Price change$237,750−$2,250
- Jul 29, 2026Listed$240,000
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 $198/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5444 Keystone Drive S, Jacksonville, FL 32207Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $240,000 | $240 | 3/1 | 1,000 | 59 | 0 |
| 737 Wren Road, Jacksonville, FL 32216Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $245,000 | $198 | 3/1 | 1,236 | 96 | 1 |
| 5102 Damascus Road S, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $290,000 | $231 | 3/2 | 1,253 | 3 | 1 |
| 5442 Juno Drive, Jacksonville, FL 32207Listed by FLORIDA UNITED REALTY GROUP LLC | Sep 2026 | $230,000 | $172 | 3/2 | 1,340 | 44 | 1.1 |
| 5540 Fargo Drive N, Jacksonville, FL 32207Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $185,000 | $138 | 3/2 | 1,344 | 19 | 1.2 |
| 2412 Tebassa Road, Jacksonville, FL 32216Listed by JPAR CITY AND BEACH | Sep 2026 | $229,000 | $197 | 3/1 | 1,161 | 18 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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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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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines