Active·7 days on market
5919 White Sands Road
Keystone Heights, FL 32656
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Alpine Groves Parkabout 26 mi · 1 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 3 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 2 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,554/yr
Estimated taxes if purchased at asking price: ~$7,300/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
- Oct 10, 2026Active$399,000
- Oct 10, 2026Withdrawn$399,000
- Sep 1, 2026Price change$399,000−$30,000
- Aug 18, 2026Listed$429,000
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 $175/sq ft; this home is listed at $239/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5893 White Sands Road, Keystone Heights, FL 32656Listed by THE WILKINS WAY | Jul 2026 | $525,000 | $258 | 3/3 | 2,037 | 141 | 0.1 |
| 5557 County Road 352, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2026 | $275,000 | $153 | 3/1 | 1,800 | 214 | 0.7 |
| 6767 State Road 21, Keystone Heights, FL 32656Listed by CORE REALTY, LLC | Jul 2026 | $119,333 | $69 | 3/2 | 1,730 | 164 | 0.9 |
| 5670 Acadia Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Jul 2026 | $265,000 | $175 | 3/2 | 1,512 | 50 | 1 |
| 5770 Acadia Street, Keystone Heights, FL 32656Listed by BEYCOME OF FLORIDA LLC | Apr 2026 | $269,000 | $134 | 5/3 | 2,001 | 8 | 1 |
| 5246 Co Rd 352, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jul 2026 | $360,000 | $200 | 3/2 | 1,800 | 28 | 1.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: TREVOR WATERS REALTY, INC.
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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Krista Fracke
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