Active·19 days on market
6617 Virginia Beach Lane
Keystone Heights, FL 32656
About this home
Keystone Heights
Great opportunity at 6617 Virginia Beach Lane, Keystone Heights, FL! This 3-bedroom, 2-bathroom mobile home has renovations already underway and is ready for someone to complete the finishing touches and make it their own. Located in Clay County, this property offers a great location with peaceful community living and convenient access to local amenities and outdoor recreation. Perfect for a primary residence, investment, or renovation project. Come see the potential and finish making this home your own!
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: material not specified — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,379 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 homeAs of September 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
2025 property taxes (current owner): $1,042/yr
Estimated taxes if purchased at asking price: ~$1,800/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
- Aug 31, 2026Listed$100,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CB ISAAC REALTY · rblakecbi@yahoo.com
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.
Keep looking
More homes in Metes & Bounds
For Sale3551 Washington St StreetSanford, FL 32771
2 bd · 1 ba · 972 sq ft
$99,900Est. $532/moSELLER IS MOTIVATED: You can fix it up or demolished,. Present best offer.!! Calling all investors and builders! Prime…
Listing Office: florida homes realty & mtg llc
For Sale119 Twin Lakes RoadHawthorne, FL 32640
2 bd · 1 ba · 1,356 sq ft
$99,500Est. $530/moWelcome to your own secret garden, a 1.34-acre property with established landscaping, mature trees, & peaceful water…
Listing Office: iheart realty inc
For Sale122 Poplar DriveInterlachen, FL 32148
2 bd · 1 ba · 672 sq ft
$95,000Est. $506/moBring your vision to 122 Poplar Drive! This 2-bedroom, 1-bath fixer-upper offers a head start with some renovations…
Listing Office: timber to tides realty llc
For Sale7410 129th RoadLive Oak, FL 32064
2 bd · 1 ba · 880 sq ft
$95,000Est. $506/moGreat investment opportunity - tenant occupied rental property available now! Home has long term tenant in place…
Listing Office: peninsula properties realty inc
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