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Active

Active·Listed today

5495 SE 3rd Avenue

Keystone Heights, FL 32656

$395,000$219/sqftEst. $2,041/moMLS# 2163608

Beds

Baths

1,800

Sq Ft

2026

Built

Garage

Pool

About this home

Keystone Heights

Don't miss this opportunity own your dream home on a 1.38 acre lot! This new construction home offers 3 bedrooms, 2 bathrooms, and a 2-car garage, providing ample space for your family and lifestyle. Enjoy the benefits of a split floor plan and modern finishes. The gourmet kitchen features 42' soft close shaker cabinets and quartz countertops, ideal for cooking and entertaining. With no HOA or CDD you have the freedom to make this property truly your own! Estimated Completion - November 2026 Please note property is not yet completed and final specs may vary.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,041

Principal & Interest: $2,041

Insurance (est.): $263

Estimated Total Monthly

$2,305

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes vary by county; 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 · 6.71% · 30yr$2,041

Estimated total, before insurance$2,041/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.

History

Price & status history

Sep 4, 2026Listed$395,000

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

Features

Price$395,000

Price / Sq Ft$219

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,800

Acres1.38 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

MiddleBradford

HighBradford

Community Information

Address5495 SE 3rd Avenue, Keystone Heights, FL 32656

Area523-Bradford County-SE

SubdivisionKeystone Oaks

CityKeystone Heights

CountyBradford

StateFL

Zip Code32656

Lot Size60,112.8 sq ft

Parcel Number05649-A-01300

Amenities

UtilitiesOther

SewerSeptic Tank

Water SourceWell

ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Kitchen Island, Open Floorplan, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

Additional Information

Date ListedSeptember 4, 2026

Days on Market0

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: RIVER CITY RENTALS AND REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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