Sold·Closed Oct 5, 2026·28 days on market
6758 Gilda Court
Keystone Heights, FL 32656
About this home
Keystone Heights
Freshly updated and move-in ready on a full acre in Keystone Heights. Built in 2022, this 4-bedroom, 2-bath home offers 1,680 square feet of open-concept living with a large kitchen island, generous counter space, and a dining area that flows right into the main living room. The primary suite includes a soaking tub, dual vanity, and walk-in closet, while three additional bedrooms give you room for family, guests, or a home office. A recent cosmetic refresh throughout means there is nothing to do but move in. Outside, the fenced back yard and mature shade trees give you space to spread out, garden, or let the kids play -- all on a quiet country road with no HOA and easy access to State Road 21. If you have been looking for newer construction paired with real land and real privacy, this is the one.
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 2022)
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).
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of August 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $225,574 | $218,122 | — |
| 2024 | $206,686 | $198,293 | — |
| 2023 | $180,967 | $180,267 | — |
| 2022 | $13,000 | $13,000 | — |
| 2021 | $13,000 | $13,000 | — |
2025 property taxes (current owner): $3,732/yr
Estimated taxes if purchased at asking price: ~$4,100/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 (2025), NEFMLS.
History
Price & status history
- Oct 7, 2026Closed$220,000
- Sep 21, 2026Pending$220,000
- Aug 29, 2026Price change$220,000−$3,000
- Aug 24, 2026Price change$223,000−$4,500
- Aug 13, 2026Price change$227,500−$7,500
- Aug 5, 2026Listed$235,000
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 $131/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6758 Gilda Court, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLC | Jun 2026 | $165,000 | $98 | 4/2 | 1,680 | 79 | 0 |
| 6764 Gilda Court, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLC | Jun 2026 | $165,000 | $105 | 3/2 | 1,566 | 79 | 0.1 |
| 5835 Lisa Lynn Lane, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INC | Sep 2026 | $379,900 | $198 | 3/2 | 1,920 | 5 | 1.5 |
| 6342 Golden Oak Lane, Keystone Heights, FL 32656Listed by MOMENTUM REALTY | Jul 2026 | $300,000 | $208 | 3/2 | 1,440 | 23 | 2.2 |
| 5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLC | Aug 2026 | $269,900 | $135 | 5/3 | 2,000 | 13 | 2.6 |
| 5338 County Road 352, Keystone Heights, FL 32656Listed by ONE REALTY CORP | Jun 2026 | $340,000 | $214 | 3/2 | 1,589 | 34 | 2.8 |
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: MOMENTUM 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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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
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