Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·30 days on market

6334 Little Lake Geneva Road

Keystone Heights, FL 32656

$324,990$204/sqftEst. $1,679/moMLS# 2158851

Beds

Baths

1,593

Sq Ft

2026

Built

Garage

Pool

About this home

Keystone Heights

Ask about our exclusive Builder Incentives! Welcome to the Heron Model by Flight Homes, a BRAND-NEW 3-bedroom, 2-bath home in the Little Lake Geneva area. Enjoy peaceful country living with **NO HOA or CDD fees**.The open-concept floor plan features a spacious kitchen with quartz countertops, white shaker cabinets, stainless steel appliances, a large island, and pantry, overlooking the living and dining areas. The private owner's suite offers a walk-in closet and en-suite bath with dual vanities and a walk-in shower. Two additional bedrooms, a dedicated laundry room, and a 2-car garage provide space and convenience. This home combines modern finishes with the freedom of country living. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$324,990

Down Payment: 20%

$64,998

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,679

Principal & Interest: $1,679

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,394

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,679

Property taxesest. at asking price, Clay County$498

Estimated total, before insurance$2,177/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $69/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

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 2026)

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

Solar potential: ~1,347 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 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.

History