Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 26

Active

Active·5 days on market

5816 Bryce Street

Keystone Heights, FL 32656

$137,500$130/sqftEst. $706/moMLS# 2160775

Beds

Baths

1,056

Sq Ft

1986

Built

—

Garage

Pool

About this home

Keystone Heights

Discover the peaceful charm of country living on 1.09 acres in a quiet cul-de-sac, conveniently located for a relaxing drive to Gainesville and the University of Florida. Backing to a beautiful prairie, this property offers a private wildlife setting with stunning sunrises and moonrises over the prairie, best enjoyed from the screened, covered back patio. The 3-bedroom, 2-bath 1986 mobile home features a 2024 metal roof, remodeled kitchen completed in 2025, luxury vinyl flooring, updated lower cabinets and countertops, and recent subflooring and flooring improvements in the family/living room. Additional features include a spacious living area, two storage sheds, majestic oak trees, and a complete water softener and filtration system. A camper and mower are also included. Enjoy quiet country living surrounded by nature while remaining within a comfortable drive of Gainesville. Property is sold as-is; cash or conventional financing only.

Cost to own

Mortgage calculator

Home Price

$137,500

Down Payment: 20%

$27,500

Interest Rate: 6.65%

Loan Term

Monthly Payment

$706

Principal & Interest: $706

Property taxes (est.): $211

Insurance (est.): $92

Estimated Total Monthly

$1,009

*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$706

Property taxesest. at asking price, Clay County$211

Estimated total, before insurance$917/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,166/yr · $97/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

Year	Market value	Taxable value	Change
2025	$60,208	$47,897	—
2024	$52,417	$43,543	—
2023	$50,762	$39,585	—
2022	$37,678	$35,987	—
2021	$32,716	$32,716	—
2020	$30,737	$30,737	—

2025 property taxes (current owner): $1,166/yr

Estimated taxes if purchased at asking price: ~$2,500/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 (2025), 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: material not specified — year not disclosed (home built 1986)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,183 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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