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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·76 days on market

7611 El Dorado Avenue

Keystone Heights, FL 32656

$279,900$123/sqftEst. $1,538/mo mortgageMLS# 2158979
↓ $10,000 below original list
5
Beds
3
Baths
2,280
Sq Ft
2026
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.10 acresManufactured Home1 storyNew construction

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

Brand new 2026 construction on 1.10 private acres on a cul da sac in Keystone Heights and this one is built to impress from the moment you walk in. With 5 bedrooms, 3 full baths, and 2,280 square feet of thoughtfully designed living space, this home delivers the room, comfort, and flexibility that growing families and savvy buyers have been searching for. And it is all brand new -- roof, HVAC, appliances, well, septic, and gutters -- nothing to fix, nothing to update, nothing waiting for you on day one.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,538
Property taxesest. at asking price, Clay County$429
Estimated total, before insurance$1,967/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$279,900
$55,980
Loan Term
Monthly Payment
$1,538
Principal & Interest: $1,538
Property taxes (est.): $429
Insurance (est.): $187
Estimated Total Monthly
$2,154
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,519 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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): $339/yr

Estimated taxes if purchased at asking price: ~$5,100/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, NEFMLS.

History

Price & status history

  • Oct 9, 2026Price change$279,900−$3,000
  • Sep 17, 2026Price change$282,900−$5,000
  • Sep 10, 2026Price change$287,900−$2,000
  • Aug 6, 2026Listed$289,900

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 $125/sq ft; this home is listed at $123/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7607 Oak Forest Road, Keystone Heights, FL 32656Listed by PURSUIT REAL ESTATE, LLCOct 2026$285,000$1255/32,280160.3
5579 Deerlodge Court, Keystone Heights, FL 32656Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$249,900$1153/22,176160.4
5725 Sequoia Road, Keystone Heights, FL 32656Listed by CW REALTYAug 2026$235,000$975/32,432490.4
5530 Capulin Street, Keystone Heights, FL 32656Listed by FADER & CO REALTY LLCAug 2026$250,000$1383/21,813250.4
7593 Silver Sands Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$220,000$1173/21,876710.5
5533 Coronado Street, Keystone Heights, FL 32656Listed by MAXREV, LLCJun 2026$355,000$1645/32,160420.5

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

Price$279,900
Price / Sq Ft$123
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,280
Acres1.10 acres
Year Built2026
TypeResidential
Sub-TypeManufactured Home
StyleRanch, Traditional
StatusActive
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryMcrae
HighKeystone Heights

Community Information

Address7611 El Dorado Avenue, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionFlorida Frontier
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Lot Size47,916 sq ft
Parcel Number23082300780017100

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate, Vinyl, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionAgricultural, Cul-De-Sac
RoofShingle
ConstructionVinyl Siding
Road SurfaceDirt

Additional Information

Date ListedAugust 6, 2026
Days on Market64
Tax Amount$339.05
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PURSUIT REAL ESTATE, LLC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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