Active·54 days on market
6764 Bedford Lake Road
Keystone Heights, FL 32656
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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
Nostalgia meets you at the door of this tiny lakefront cottage. Sitting on .53 acres with 94' of Bedford Lake water frontage in Clay County. The yard is fully fenced, the ''fish shack'' is great for storing fishing gear, cleaning the catch of the day, hosting fish fries, or just porch sitting telling fishing stories during the most incredible lava filled sunsets. The mature oaks offer the perfect canopy for summer hangs in the shade. In the past 2 years this home has a new metal roof, new ceilings, new hvac system, and mini split for the florida room, new front deck and new back deck, outdoor shower. Inside you will find tongue and groove walls, hardwood floors throughout, 2 bedrooms and 1 bath. The front door steps into a ''foyer'' that could be used as an office or formal dining area. Property is currently used as a vacation home. CASH ONLY OPPORTUNITY.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Metal — year not disclosed (home built 1955)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,632 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 homeAs 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): $1,902/yr
Estimated taxes if purchased at asking price: ~$4,600/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
- Sep 18, 2026Price change$249,900−$35,100
- Aug 17, 2026Listed$285,000
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 $250/sq ft; this home is listed at $211/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 499 58th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Sep 2026 | $237,000 | $160 | 3/1.5 | 1,484 | 18 | 0.8 |
| 6789 Eastbrook Drive, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Aug 2026 | $233,500 | $226 | 3/2 | 1,035 | 103 | 0.8 |
| 7015 King Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2025 | $375,000 | $284 | 2/1 | 1,320 | 157 | 0.9 |
| 628 SE 52nd Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Jun 2026 | $294,500 | $250 | 3/2 | 1,176 | 20 | 1.4 |
| 426 SE 49th Street, Keystone Heights, FL 32656Listed by UNITED COUNTRY SMITH & ASSOCIATES | Jun 2025 | $320,000 | $220 | 3/2 | 1,455 | 24 | 1.5 |
| 6540 Immokalee Road, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $355,000 | $251 | 3/2 | 1,414 | 27 | 1.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW REALTY
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.
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Your Local Realtor
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.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines