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Sold

Sold·Closed Sep 24, 2026·33 days on market

6757 Deer Springs Road

Keystone Heights, FL 32656

$299,900sold priceListed at $299,900 · 100% of asking$174/sqftMLS# 2158671
3
Beds
2
Baths
1,720
Sq Ft
1980
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.02 acresSingle Family Residence1 story

About this home

Keystone Heights

**SELLER IS OFFERING A $10,000 BUYERS CLOSING COST ALLOWANCE**Looking for a Nice Place to Call Home?? Then Do Not Miss Out on this Home! Home is Situated on a Little Over an Acre with a Fully Fenced Rear Yard! This Home Features a Versatile Floor Plan + Updates over the Last Few Years, Kitchen & Baths, Flooring & Paint. Spacious Living Room Sports a Centered Wood Burning Fireplace & Wood Shelving, Large Enclosed Porch + Indoor Utility Room! Nearly New Huge Detached Garage/Workshop 30 X 40 with Power (2025)! Square Footage is including the H/C Enclosed Porch!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,661
Property taxesest. at asking price, Clay County$460
Estimated total, before insurance$2,121/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,978/yr · $165/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$299,900
$59,980
Loan Term
Monthly Payment
$1,661
Principal & Interest: $1,661
Property taxes (est.): $460
Insurance (est.): $200
Estimated Total Monthly
$2,321
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Metal — year not disclosed (home built 1980)

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: ~1,637 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 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

2025 property taxes (current owner): $1,978/yr

Estimated taxes if purchased at asking price: ~$5,500/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

  • Sep 24, 2026Closed$299,900
  • Sep 9, 2026Pending$299,900
  • Aug 5, 2026Listed$299,900

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 $166/sq ft; this home is listed at $174/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6767 State Road 21, Keystone Heights, FL 32656Listed by CORE REALTY, LLCJul 2026$119,333$693/21,7301640.9
7159 State Road 21, Keystone Heights, FL 32656Listed by GAILEY ENTERPRISES LLCMay 2026$239,000$1662/21,44050.9
6279 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$221,500$1463/21,5122181.1
6540 Immokalee Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$355,000$2513/21,414271.2
6328 Little Lake Geneva Road, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLCJun 2026$240,000$1193/32,010591.2
6202 Furman Avenue, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$275,000$2223/21,2403841.4

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

Price$299,900
Price / Sq Ft$174
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,720
Acres1.02 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address6757 Deer Springs Road, Keystone Heights, FL 32656
Area151-Keystone Heights
Subdivision**verifying Subd**
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size44,431.2 sq ft
Parcel Number09082300103800300
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached, Garage

Interior

Interior FeaturesCeiling Fan(s)
AppliancesElectric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringLaminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCleared
FencingBack Yard, Chain Link, Full
RoofMetal
ConstructionBlock, Frame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 5, 2026
Days on Market33
Tax Amount$1,977.54
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: AJ REALTY GROUP FLORIDA INC

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

Krista Fracke

Broker Associate

This home sold on Sep 24, 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.

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