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Sold

Sold·Closed Aug 24, 2026·3 days on market

5659 County Road 352

Keystone Heights, FL 32656

$217,000sold priceListed at $235,000 · 92.3% of asking$261/sqftMLS# 2158985
1
Beds
1.5
Baths
832
Sq Ft
1959
Built
—
Garage
No
Pool
FEMA Zone XNo HOAWaterfrontSingle Family Residence1 story

About this home

Keystone Heights

Welcome to 5659 County Road 352 a charming 1-bedroom, 1.5-bath single-family home offering the perfect blend of cozy living and classic Florida lake life. Built in 1959 and thoughtfully updated, this approximately 832 sq ft residence sits on a generous 0.71-acre lot with about 80 feet of frontage on White Sands Lake, complete with white sandy beaches ideal for swimming, fishing, kayaking, or simply relaxing by the water. Step inside to find a comfortable, move-in-ready space featuring refinished wood floors, a fully updated kitchen with granite countertops and a convenient utility room with washer/dryer hookups plus cabinetry. The home has been refreshed with a newer AC unit, Newer windows, updated electrical. An inviting 8x26 lakeside screened porch delivers outstanding views and the perfect spot for morning coffee or evening gatherings while taking in the peaceful lake scenery.

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$1,202
Property taxesest. at asking price, Clay County$333
Estimated total, before insurance$1,535/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

$217,000
$43,400
Loan Term
Monthly Payment
$1,202
Principal & Interest: $1,202
Property taxes (est.): $333
Insurance (est.): $145
Estimated Total Monthly
$1,679
*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: Shingle — year not disclosed (home built 1959)

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

Likely septic · 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: ~1,346 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

Price & status history

  • Aug 24, 2026Closed$235,000
  • Aug 9, 2026Active Under Contract$235,000
  • Aug 6, 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 $152/sq ft; this home is listed at $282/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5921 County Road 352, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYJun 2026$316,000$3163/21,000160.6
5895 White Sands Road, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Jun 2026$100,000$1521/1660240.8
6319 Bucknell Avenue, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INCMay 2026$55,000$701/1784493
7292 Skidmore Street, Keystone Heights, FL 32656Listed by TEAM FLORIDA REALTY SERVICES INCMay 2026$99,900$943/21,06483.1

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$235,000
Price / Sq Ft$282
Bedrooms1
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage832
Year Built1959
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address5659 County Road 352, Keystone Heights, FL 32656
Area151-Keystone Heights
SubdivisionMckay Manor
CityKeystone Heights
CountyClay
StateFL
Zip Code32656
Parcel Number11082300111800000

Amenities

UtilitiesCable Not Available
SewerSeptic Tank
Water SourceWell
ParkingOther, On Street
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Gas Range, Washer
HeatingCentral, Heat Pump
CoolingElectric
FlooringWood
# of Stories1

Exterior

Patio / PorchDeck
RoofShingle
ConstructionFrame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 6, 2026
Days on Market3
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BWEALTHY REALTY 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

This home sold on Aug 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

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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