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Active·10 days on market

5919 White Sands Road

Keystone Heights, FL 32656

$429,000$258/sqftEst. $2,205/moMLS# 2160614

Beds

Baths

1,666

Sq Ft

1955

Built

2.5

Garage

Pool

About this home

Keystone Heights

A rare Keystone Heights property offering space, privacy, and the outdoor lifestyle on White Sands Lake! Situated on 1.82 acres, this property offers room to spread out, homestead, entertain, and enjoy lakefront living. The park-like grounds feature mature landscaping, fruit trees, a covered vegetable garden, apiary for beekeeping, chicken coop, and plenty of space to live off the land. Inside, enjoy an open floor plan, spacious primary suite with sitting area, and inviting sunroom overlooking the lake. Step outside to the massive 52' x 12' deck, perfect for entertaining or relaxing. Bring the vehicles, boats, tractors, and hobbies--there are approximately 2.5 garage spaces with a workshop, an outbuilding, and abundant covered parking. Multiple areas accommodate pets and gardening, while a concrete boat ramp, lakeside sitting area, and firepit make it easy to enjoy life on the water.

Cost to own

Mortgage calculator

Home Price

$429,000

Down Payment: 20%

$85,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,205

Principal & Interest: $2,205

Property taxes (est.): $657

Insurance (est.): $286

Estimated Total Monthly

$3,149

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,205

Property taxesest. at asking price, Clay County$657

Estimated total, before insurance$2,863/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,554/yr · $213/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): $2,554/yr

Estimated taxes if purchased at asking price: ~$7,900/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 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: ~1,562 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