Active·80 days on market
7645 Oak Forest Road
Keystone Heights, FL 32656
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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 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
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: Shingle — year not disclosed (home built 1985)
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: ~1,773 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Alpine Groves Parkabout 28 mi · 1 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 4 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 3 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,583/yr
Estimated taxes if purchased at asking price: ~$9,000/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.
History
Price & status history
- Oct 15, 2026Price change$489,000−$10,000
- Sep 18, 2026Price change$499,000−$16,000
- Aug 24, 2026Price change$515,000−$10,000
- Jul 29, 2026Listed$525,000
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 $97/sq ft; this home is listed at $170/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5725 Sequoia Road, Keystone Heights, FL 32656Listed by CW REALTY | Aug 2026 | $235,000 | $97 | 5/3 | 2,432 | 49 | 0.3 |
| 7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLC | Oct 2026 | $285,000 | $125 | 5/3 | 2,280 | 16 | 0.4 |
| 5711 Crater Lake Circle N, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Mar 2026 | $269,400 | $127 | 5/3 | 2,128 | 66 | 0.4 |
| 5691 Quail Lane, Keystone Heights, FL 32656Listed by KELLER WILLIAMS FIRST COAST REALTY | Jul 2025 | $180,000 | $76 | 4/3 | 2,356 | 58 | 0.4 |
| 7649 El Dorado Avenue, Keystone Heights, FL 32656Listed by MODERN REALTY OF FLORIDA | Jul 2025 | $140,000 | $68 | 4/2 | 2,052 | 66 | 0.4 |
| 5750 Sequoia Road, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Feb 2026 | $199,582 | $88 | 4/2 | 2,280 | 12 | 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
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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
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