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Active

Active·Listed today

7645 Oak Forest Road

Keystone Heights, FL 32656

$525,000$182/sqftEst. $2,677/moMLS# 2157572

Beds

Baths

2,880

Sq Ft

1985

Built

Garage

Pool

About this home

Keystone Heights

Welcome to 7645 Oak Forest Road in the desirable Big Tree Lakes community of Keystone Heights. This beautifully maintained 3-bedroom, 2-bath home sits on a spacious 1.25-acre lot and offers 2,880 sf of thoughtfully upgraded living space that truly impresses from the moment you walk through the front door. Outside, the property truly shines. Enjoy the new covered patio overlooking the expansive backyard, complete with a large 48x28 storage building, additional 20x16 garage, storage shed, and RV carport w/ 2 50-amp hookups. Recent updates include a brand-new AC unit, a new well water filtration system, and a septic tank that was professionally pumped just one year ago -- giving buyers peace of mind and move-in readiness. Step inside to travertine tile and rich hardwood floors that flow throughout the main living areas. The heart of the home is the custom kitchen featuring soft-close cabinets and drawers, a generous 4x7 food-prep island, under-cabinet lighting, and a brand-new kitchen

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,677

Principal & Interest: $2,677

Property taxes (est.): $805

Insurance (est.): $350

Estimated Total Monthly

$3,831

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,677

Property taxesest. at asking price, Clay County$805

Estimated total, before insurance$3,481/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,583/yr · $632/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,583/yr

Estimated taxes if purchased at asking price: ~$9,700/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1985)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,773 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

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 29, 2026Listed$525,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$525,000

Price / Sq Ft$182

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,880

Acres1.25 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages5

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMcrae

HighKeystone Heights

Community Information

Address7645 Oak Forest Road, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionBig Tree Lakes

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size54,450 sq ft

Parcel Number23082300780010300

ZoningSingle Family

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Detached, Garage, RV Access/Parking

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingAttic Fan, Central Air

FlooringCarpet, Marble, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit, Lower Level

SecuritySmoke Detector(s)