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Active

Active·7 days on market

4759 Gadara Road

Keystone Heights, FL 32656

$1,300,000$547/sqftEst. $6,676/moMLS# 2160322

Beds

Baths

2,378

Sq Ft

2014

Built

—

Garage

Pool

About this home

Keystone Heights

Custom built modern farmhouse on twenty acres with majestic oaks and a pond. The adjoining twenty acres is also available should you desire more land. Bright and beautiful inside with high ceilings and many windows. The kitchen boasts all wood custom cabinets, granite counters and a farmhouse sink. Solid core doors and many energy features are just a few of the extras in this home. Primary suite is down stairs with other bedrooms, full bath and additional family room located upstairs. The wrap around porch offers views of amazing wildlife, spring fed pond and centuries old oak trees. This truly custom farmhouse exudes charm! There is also a carport for vehicles, ATVs, etc, a large metal building that has ample space and can be utilized store equipment, boats, etc as well as a pole barn for equipment. There are so many possibilities with this beautiful homestead!

Cost to own

Mortgage calculator

Home Price

$1,300,000

Down Payment: 20%

$260,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$6,676

Principal & Interest: $6,676

Property taxes (est.): $1,992

Insurance (est.): $867

Estimated Total Monthly

$9,535

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$6,676

Property taxesest. at asking price, Clay County$1,992

Estimated total, before insurance$8,669/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,751/yr · $229/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,751/yr

Estimated taxes if purchased at asking price: ~$23,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2014)

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

Solar potential: ~1,508 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.

History

Price & status history

Aug 15, 2026Listed$1,300,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,300,000

Price / Sq Ft$547

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,378

Total Structure Area5,684 sq ft

Acres20.00 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMcrae

HighKeystone Heights

Community Information

Address4759 Gadara Road, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionMetes & Bounds

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size871,200 sq ft

Lot Dimensions330x1250

Parcel Number16082400713300200

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingCarport

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Gas Cooktop, Gas Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup