Active Under Contract·50 days on market
360 SW Garden Street
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
Welcome home to this beautifully maintained concrete block residence, ideally situated on a quiet street and set on a generously sized lot. Offering a functional and inviting layout, this home features numerous thoughtful upgrades that provide both comfort and peace of mind. Recent improvements include: a new water heater (2025), an upgraded air handler with UV light system (2024), and a new drain field (2021). The updated kitchen showcases timeless shaker-style cabinetry paired with smart LG appliances (2026), creating a modern and efficient space for everyday living and entertaining. The interior offers a well-designed floor plan with ample living space suited for a variety of lifestyles. An additional storage room provides added convenience, while the expansive fenced backyard is perfect for gatherings, pets, or simply enjoying the outdoors.
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 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water · Clay County Utilities
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,665 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $197,957 | $63,331 | — |
| 2024 | $195,651 | $60,839 | — |
| 2023 | $179,546 | $57,611 | — |
| 2022 | $148,567 | $54,477 | — |
| 2021 | $112,738 | $51,434 | — |
| 2020 | $107,309 | $50,034 | — |
2025 property taxes (current owner): $1,704/yr
Estimated taxes if purchased at asking price: ~$4,400/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.
History
Price & status history
- Sep 29, 2026Active Under Contract$239,900
- Aug 21, 2026Listed$239,900
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 $206/sq ft; this home is listed at $185/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTY | Jul 2026 | $272,500 | $195 | 3/2 | 1,398 | 6 | 0.2 |
| 430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLC | Oct 2026 | $224,800 | $191 | 3/2 | 1,176 | 139 | 0.3 |
| 465 SW Nightingale Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $233,000 | $213 | 3/2 | 1,092 | 70 | 0.4 |
| 475 SW Nightingale Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Oct 2026 | $185,000 | $136 | 3/1.5 | 1,360 | 46 | 0.5 |
| 345 Orchid Avenue, Keystone Heights, FL 32656Listed by EXP REALTY LLC | Jul 2025 | $280,000 | $206 | 3/2 | 1,362 | 4 | 0.5 |
| 484 SE 44th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Aug 2026 | $280,000 | $208 | 3/2 | 1,344 | 143 | 0.8 |
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: DJ & LINDSEY REAL ESTATE
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