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Active

Active·2 days on market

5754 N Crater Lake Circle

Keystone Heights, FL 32656

$550,000$179/sqftEst. $2,828/moMLS# 2162155

Beds

Baths

3,076

Sq Ft

2008

Built

—

Garage

Yes

Pool

About this home

Keystone Heights

Welcome to your dream retreat on 2 beautifully wooded acres near Lake Geneva in Keystone Heights! This spacious property offers a unique opportunity for multi-generational living, a private homestead, or a peaceful getaway surrounded by nature, with peacocks, wild turkeys, and other wildlife right outside your door. The lower level features a full mother-in-law suite with its own living room, kitchen, bedroom with walk-in closet, and full bathroom. The upper level offers the main living space, including 3 bedrooms, 2 bathrooms, a living room, laundry room, and a spacious primary suite with a walk-in closet. Enjoy the Florida lifestyle from the upper-level terrace overlooking the brand-new, fully screened-in pool, or relax on the screened upper-level porch with your morning coffee while taking in the peaceful surroundings.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,828

Principal & Interest: $2,828

Property taxes (est.): $843

Insurance (est.): $367

Estimated Total Monthly

$4,037

*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$2,828

Property taxesest. at asking price, Clay County$843

Estimated total, before insurance$3,670/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.

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: material not specified — year not disclosed (home built 2008)

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

Septic system (public record) · Private well (public record)

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: ~1,810 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

Price & status history

Aug 27, 2026Listed$550,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$550,000

Price / Sq Ft$179

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,076

Acres2.00 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Carport Spaces2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryKeystone Heights

HighKeystone Heights

Community Information

Address5754 N Crater Lake Circle, Keystone Heights, FL 32656

Area151-Keystone Heights

SubdivisionBig Tree Lakes

CityKeystone Heights

CountyClay

StateFL

Zip Code32656

Lot Size87,120 sq ft

Parcel Number14082300143754

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingCarport, Covered, Detached Carport

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Electric Oven, Freezer, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LaundryUpper Level