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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·57 days on market

4759 Gadara Road

Keystone Heights, FL 32656

$1,300,000$547/sqftEst. $7,201/moMLS# 2160322
3
Beds
2.5
Baths
2,378
Sq Ft
2014
Built
—
Garage
No
Pool
FEMA Zone AENo HOA20.00 acresSingle Family Residence2 stories

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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

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$7,201
Property taxesest. at asking price, Clay County$1,992
Estimated total, before insurance$9,193/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,300,000
$260,000
Loan Term
Monthly Payment
$7,201
Principal & Interest: $7,201
Property taxes (est.): $1,992
Insurance (est.): $867
Estimated Total Monthly
$10,060
*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 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.

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.

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.

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 $132/sq ft; this home is listed at $547/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6758 Gilda Court, Keystone Heights, FL 32656Listed by MOMENTUM REALTYOct 2026$221,500$1324/21,680281.6
6758 Gilda Court, Keystone Heights, FL 32656Listed by HERRON REAL ESTATE LLCJun 2026$165,000$984/21,680791.6
6638 County Road 315C, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$350,000$1384/22,537141.7
5640 Caribbean, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLCAug 2026$269,900$1355/32,000132.2
5625 Caribbean Circle, Keystone Heights, FL 32656Listed by MOMENTUM REALTYJun 2026$267,000$1134/22,356312.2

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$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

Exterior

Lot DescriptionMany Trees
Patio / PorchCovered, Deck, Porch, Wrap Around
RoofMetal
Other StructuresWorkshop
Road SurfaceDirt

Additional Information

Date ListedAugust 15, 2026
Days on Market7
Tax Amount$2,750.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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